https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com The Chicago-based fintech said its new title insurance waiver program could accelerate the mortgage process and potentially save qualified refinance borrowers as much as $2,500 in closing costs. http://www.insidemortgagefinance.com/articles/237604 Fri, 29 May 2026 12:07:11 -0400 https://www.insidemortgagefinance.com/articles/237604-rate-announces-title-insurance-alternative-for-gse-refis dhollier@imfpubs.com The GSE said loans originated by lenders using Freddie’s tools are $1,700 less costly than those originated by lenders who don’t. http://www.insidemortgagefinance.com/articles/237615 Fri, 29 May 2026 12:03:13 -0400 https://www.insidemortgagefinance.com/articles/237615-freddie-tools-by-the-numbers nbhatia@imfpubs.com Single-family MBS issuance by Fannie Mae and Freddie Mac increased by 8.5% from March to April. Lenders boosted their deliveries without compromising on underwriting standards for purchase mortgages. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237470 Fri, 15 May 2026 12:10:11 -0400 https://www.insidemortgagefinance.com/articles/237470-gse-deliveries-increase-in-april-credit-box-tightens dhollier@imfpubs.com Until Fannie and Freddie are more transparent about the loan-level pricing adjustment grids for the new credit score, lenders and investors will remain cautious about its implementation. http://www.insidemortgagefinance.com/articles/237362 Fri, 01 May 2026 16:21:02 -0400 https://www.insidemortgagefinance.com/articles/237362-questions-remain-on-vantagescore-40-implementation dhollier@imfpubs.com The GSE beefed up requirements for smaller multifamily properties and inexperienced owners. http://www.insidemortgagefinance.com/articles/237372 Fri, 01 May 2026 16:10:13 -0400 https://www.insidemortgagefinance.com/articles/237372-freddie-updates-multifamily-guide dhollier@imfpubs.com Fannie Mae belatedly joined Freddie Mac in establishing ground rules for seller/servicers that deploy or manage artificial intelligence or machine learning tools while doing business with the enterprise. http://www.insidemortgagefinance.com/articles/237219 Fri, 17 Apr 2026 14:08:04 -0400 https://www.insidemortgagefinance.com/articles/237219-fannie-sets-guardrails-for-ai-ml dhollier@imfpubs.com The move will increase the size of eligible loans and the number of units allowed, but stiffer qualification requirements may alienate smaller landlords. http://www.insidemortgagefinance.com/articles/237215 Fri, 17 Apr 2026 14:01:12 -0400 https://www.insidemortgagefinance.com/articles/237215-freddie-mac-merges-sbl-and-conventional-programs dhollier@imfpubs.com Large lenders increased their share in the conventional mortgage market even as their GSE volume fell. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237102 Fri, 03 Apr 2026 12:00:00 -0400 https://www.insidemortgagefinance.com/articles/237102-gse-deliveries-weaken-in-1q dhollier@imfpubs.com The GSEs have yet to change their guidelines related to borrowers’ holdings of cryptocurrency. http://www.insidemortgagefinance.com/articles/237114 Fri, 03 Apr 2026 11:56:32 -0400 https://www.insidemortgagefinance.com/articles/237114-did-fannie-dip-a-toe-in-the-crypto-pool dhollier@imfpubs.com Fannie recently overhauled its quality control requirements, while Freddie made minor changes to underwriting rules. http://www.insidemortgagefinance.com/articles/237110 Fri, 03 Apr 2026 11:55:34 -0400 https://www.insidemortgagefinance.com/articles/237110-gses-announce-guide-updates dhollier@imfpubs.com The new Uniform Appraisal Dataset dramatically improves the ability of appraisers to communicate details about a property’s location and views, along with how they impact its valuation. http://www.insidemortgagefinance.com/articles/237105 Fri, 03 Apr 2026 11:52:41 -0400 https://www.insidemortgagefinance.com/articles/237105-fannie-urges-appraisers-to-prep-for-uad-36 dhollier@imfpubs.com In today’s gig economy, sometimes the hardest job for a lender is figuring out how to calculate a borrower’s income. http://www.insidemortgagefinance.com/articles/236999 Fri, 20 Mar 2026 14:16:15 -0400 https://www.insidemortgagefinance.com/articles/236999-fannie-answers-income-questions dhollier@imfpubs.com FHFA greenlights the use of actual cash value insurance to cover the roofs of condos; all other elements of the project will still require replacement value policies, though. http://www.insidemortgagefinance.com/articles/236998 Fri, 20 Mar 2026 14:15:17 -0400 https://www.insidemortgagefinance.com/articles/236998-gses-ease-condo-rules dhollier@imfpubs.com Three of the top-five GSE issuers posted declines in volume last month. Meanwhile, Fannie’s share of total residential MBS issuance fell to a decade-plus low of 24.0% in the fourth quarter of 2025. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/236849 Fri, 06 Mar 2026 14:55:20 -0500 https://www.insidemortgagefinance.com/articles/236849-gse-deliveries-fall-115-in-february dhollier@imfpubs.com Fannie Mae and Freddie Mac assured lenders that mortgages will not become ineligible for delivery solely because of the shutdown, temporarily relaxing employment verification and available reserve requirements for impacted borrowers. http://www.insidemortgagefinance.com/articles/236865 Fri, 06 Mar 2026 14:49:26 -0500 https://www.insidemortgagefinance.com/articles/236865-gses-issue-shutdown-guidance dhollier@imfpubs.com The income assessment portion of Fannie’s Selling Guide has been significantly restructured, moving and rephrasing many sections, changing some policies and introducing new ones. http://www.insidemortgagefinance.com/articles/236874 Fri, 06 Mar 2026 14:46:32 -0500 https://www.insidemortgagefinance.com/articles/236874-fannie-updates-income-assessment-policies dhollier@imfpubs.com The Government Accountability Office said FHFA can’t accurately gauge the accuracy of the data it uses to monitor nonbanks and overlooks key risks associated with warehouse lending. FHFA agreed to address the issues. http://www.insidemortgagefinance.com/articles/236733 Fri, 20 Feb 2026 14:47:45 -0500 https://www.insidemortgagefinance.com/articles/236733-gao-non-bank-mortgage-companies-need-closer-fhfa-supervision dhollier@imfpubs.com AEI researchers said large institutional investors own about 1% of single-family homes vs. 11% for small-scale investors with low interest rate GSE-backed loans. http://www.insidemortgagefinance.com/articles/236723 Fri, 20 Feb 2026 14:45:50 -0500 https://www.insidemortgagefinance.com/articles/236723-do-gse-backed-investor-loans-crowd-out-fthbs dhollier@imfpubs.com FOIA documents reveal that in 2022 Fannie and Freddie business assessments determined that a single-bureau credit report would be inferior to either a tri-merge or a bi-merge. http://www.insidemortgagefinance.com/articles/236596 Fri, 06 Feb 2026 14:52:30 -0500 https://www.insidemortgagefinance.com/articles/236596-keeping-track-of-the-tri-merge dhollier@imfpubs.com Newly coordinated standards at the GSEs make it easier for certain factory-built homes to receive site-built financing. http://www.insidemortgagefinance.com/articles/236603 Fri, 06 Feb 2026 14:47:38 -0500 https://www.insidemortgagefinance.com/articles/236603-fhfa-directs-gses-to-align-manufactured-home-programs dhollier@imfpubs.com The trade group argues that a likely shift to a single-bureau credit pull may not actually lower rates and could add risk to the system. http://www.insidemortgagefinance.com/articles/236436 Thu, 22 Jan 2026 11:53:42 -0500 https://www.insidemortgagefinance.com/articles/236436-chla-prefers-retaining-the-tri-merge dhollier@imfpubs.com As a merged company, Rocket Mortgage and Mr. Cooper delivered more mortgages to Fannie Mae and Freddie Mac than any other company during the fourth quarter of 2025. http://www.insidemortgagefinance.com/articles/236326 Fri, 09 Jan 2026 15:38:22 -0500 https://www.insidemortgagefinance.com/articles/236326-rocket-eclipses-uwm-sort-of dhollier@imfpubs.com A negative profitability gap means the guarantee fees on newly acquired loans weren’t enough to cover the expected cost of guaranteeing the loans and earning the expected return on capital. http://www.insidemortgagefinance.com/articles/236350 Fri, 09 Jan 2026 15:35:26 -0500 https://www.insidemortgagefinance.com/articles/236350-profitability-gap-on-g-fees-went-negative-in-2024 dhollier@imfpubs.com Between 2022 and 2024, Fannie’s open multifamily fraud investigations spiked from 14 to 193. In the same interval, actual fraud findings went from 3 to 87. http://www.insidemortgagefinance.com/articles/236354 Fri, 09 Jan 2026 15:32:32 -0500 https://www.insidemortgagefinance.com/articles/236354-oig-report-describes-2023-spike-in-mf-mortgage-fraud dhollier@imfpubs.com Freddie is revising its liquidity verification documentation requirements for sponsors to include a liquidity verification worksheet with delivery of the full underwriting package. http://www.insidemortgagefinance.com/articles/236331 Fri, 09 Jan 2026 15:31:35 -0500 https://www.insidemortgagefinance.com/articles/236331-freddie-strengthens-sponsor-underwriting-for-multifamily dhollier@imfpubs.com Fannie alerts seller/servicers to stiffer fraud detection rules. For example, lenders have 24 hours to report any borrower if they’re found on the Department of Treasury’s foreign assets control sanctions list. http://www.insidemortgagefinance.com/articles/236223 Fri, 19 Dec 2025 13:00:18 -0500 https://www.insidemortgagefinance.com/articles/236223-fannie-steps-up-fraud-prevention dhollier@imfpubs.com UI researchers explore whether the GSEs, by accepting new loan products, can help alleviate the lock-in effect and improve affordability for homebuyers. http://www.insidemortgagefinance.com/articles/236222 Fri, 19 Dec 2025 12:58:22 -0500 https://www.insidemortgagefinance.com/articles/236222-housing-supply-assumable-vs-portable-mortgages dhollier@imfpubs.com Rural lawmakers protest GSE guidelines that require borrowers to have replacement cost value homeowners insurance if their mortgage is purchased by Fannie Mae or Freddie Mac. http://www.insidemortgagefinance.com/articles/235983 Fri, 21 Nov 2025 15:08:12 -0500 https://www.insidemortgagefinance.com/articles/235983-house-republicans-push-for-looser-homeowners-insurance-rules-at-gses dhollier@imfpubs.com Refis totaled $22.84 billion in October, the highest volume since June 2022 and 31.7% of all GSE deliveries for the month. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/235829 Fri, 07 Nov 2025 14:00:16 -0500 https://www.insidemortgagefinance.com/articles/235829-gse-sales-surge-in-october dhollier@imfpubs.com The changes impact mortgages on manufactured homes, the treatment of rental income, undisclosed liabilities and single-closing construction-to-permanent loans. http://www.insidemortgagefinance.com/articles/235836 Fri, 07 Nov 2025 13:55:19 -0500 https://www.insidemortgagefinance.com/articles/235836-a-potpourri-of-selling-guide-updates-t