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Inside FHA/VA Lending

July 25, 2025

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FHA Default Rates Increase in 2Q25, VA Performs Better

The delinquency rate on FHA loans in Ginnie MBS inched up at the end of the second quarter, with the share of seriously delinquent loans declining. The reading on VA loans past-due dropped. (Includes four data tables.) Read More

Part-Time FHA Underwriter Option Expands Talent Pool

Industry stakeholders said FHA’s move to allow part-time underwriters to qualify for direct endorsement is also likely to reduce operational costs. Read More

Permanent VA Partial Claims Program Almost Here

The legislation authorizing the Department of Veterans Affairs to establish a partial claim program has yet to be signed by the president and the timeline for implementation isn’t clear. Read More

Inflation Likely Cause of Higher FHA Delinquencies: Study

The increase in delinquency rates among FHA loans originated in recent years probably comes down to inflation, Urban Institute researchers said, ruling out other culprits. Read More

HUD Changes CWCOT Discount Methodology

The Department of Housing and Urban Development has changed the way it calculates the floor price for properties sold at foreclosure sales under its claims without conveyance of title program, but maintained that servicers must pay more than total debt owed in some instances. Read More

FHA’s Flood Regs a Boon to Builders, Not Owners

The Department of Housing and Urban Development has cut the height to which builders are required to raise a bottom floor above the 100-year flood level, saving money for builders, but likely not building owners. Read More

Lenders Urge HUD to Set Blanket FHA Multifamily Premiums

Industry participants responded positively to the Department of Housing and Urban Development’s proposal to set the FHA mortgage insurance premiums to 0.25% for all multifamily loans. Read More

Around the Industry

HomeStreet sells Ginnie servicing; VA updates county list for insect inspections; FHA updates XML submission format. Read More

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