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Inside FHA/VA Lending

September 5, 2025

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Ginnie August MBS Issuance Slips Even as Refis Increase

Issuance of Ginnie Mae single-family mortgage-backed securities declined slightly in August. FHA deliveries were off by 1.9% due to a downturn in purchase mortgages. (Includes two data tables.) Read More

FHA Definition Creates First Legal Deadline Problems

A change to language guiding the application of partial payments to a delinquent FHA mortgage creates a conflict with the first legal deadline for servicers to begin foreclosure proceedings, said Donna Schmidt, managing director at DLS Servicing. Read More

HUD Seeks to Ease Chassis Requirement on Manufactured Homes

The Department of Housing and Urban Development included a proposed rule in its spring regulatory agenda to restrict the steel chassis requirements for manufactured housing to the bottom floor of a multistory structure. Read More

Industry Calls for More Research on BNPL Products

Lenders and consumer advocates urged FHA to study the financial habits of users of buy-now-pay-later services before making policy changes to how the accounts are used in mortgage underwriting calculations. Read More

FHA Prepares Appraisal Forms Update

FHA will begin transitioning appraisal forms to the Uniform Appraisal Dataset 3.6 in the spring. Read More

Urban Institute Recommends Tweaks to VA Loss Mit

Researchers at the think tank said changes need to be made to bring loss mitigation at the Department of Veterans Affairs in line with FHA servicing protocols. Read More

2025 Shaping Up to be Strong Year for VA Lending

The Department of Veterans Affairs recently backed its 29 millionth mortgage, with VA lending up following a post-pandemic slump. Read More

Around the Industry

FHA updates EDI layout; HUD changes Section 184 residency requirements; FHA and VA application shares rise. Read More

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