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Inside FHA/VA Lending

October 3, 2025

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Drop in Refi Activity Slows Ginnie MBS Issuance in 3Q

Securitization of refinance loans declined sharply from the second to the third quarter of 2025, while purchase-mortgage volume increased moderately. (Includes four data tables.) Read More

Government Shutdown Could Limit FHA Lending

FHA is continuing to endorse most single-family home loans during the government shutdown, but with some constraints. Read More

FHA Makes Additional Loss-Mitigation Changes

About a week before FHA’s updated loss-mitigation waterfall went into effect, the agency issued several changes. However, servicers have additional time to incorporate the new updates. Read More

FHA Loan Review System Maintenance Delayed by Shutdown

Ongoing maintenance of FHA’s Loan Review System will likely be prolonged by the government shutdown. The system remains offline in the meantime. Read More

Ginnie Faces FHA, VA Pooling Dilemma

High churn rates in the VA program lead to higher interest rates for FHA borrowers because loans from the two programs are pooled together in Ginnie Mae MBS. But there’s not a clear path to separate them. Read More

HUD Seeks Input on HECM, HMBS Programs

The Department of Housing and Urban Development wants to know whether any statutory changes could improve the programs. Meanwhile, there is no update on the HMBS 2.0 product proposed last year. Read More

Lawmakers Reintroduce Bill to End FHA Life-of-Loan Policy

The bill would stop FHA from collecting mortgage insurance premiums once a borrower’s loan-to-value ratio declines to 78%. Read More

Around the Industry

LGY updates accepted reservist documentation; HUD reduces multifamily mortgage insurance premiums; USDA posts shutdown banner; USDA encourages multifamily projects to watch costs. Read More

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