<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:media="http://search.yahoo.com/mrss/">
  <channel>
    <title>Sales</title>
    <description>
      <![CDATA[]]>
    </description>
    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <item>
      <title>GSE Deliveries Weaken in First Quarter of 2026</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Large lenders increased their share in the conventional mortgage market even as their GSE volume fell. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237102</guid>
      <pubDate>Fri, 03 Apr 2026 12:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237102-gse-deliveries-weaken-in-1q</link>
    </item>
    <item>
      <title>No GSE Policy Changes Yet on Crypto Assets </title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs have yet to change their guidelines related to borrowers’ holdings of cryptocurrency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237114</guid>
      <pubDate>Fri, 03 Apr 2026 11:56:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237114-did-fannie-dip-a-toe-in-the-crypto-pool</link>
    </item>
    <item>
      <title>Fannie Loosens QC Requirements for Lenders</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie recently overhauled its quality control requirements, while Freddie made minor changes to underwriting rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237110</guid>
      <pubDate>Fri, 03 Apr 2026 11:55:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237110-gses-announce-guide-updates</link>
    </item>
    <item>
      <title>Fannie Urges Appraisers to Prep for UAD 3.6</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237105</guid>
      <pubDate>Fri, 03 Apr 2026 11:52:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237105-fannie-urges-appraisers-to-prep-for-uad-36</link>
    </item>
    <item>
      <title>Fannie Answers Borrower Income-Related Questions</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[In today’s gig economy, sometimes the hardest job for a lender is figuring out how to calculate a borrower’s income.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236999</guid>
      <pubDate>Fri, 20 Mar 2026 14:16:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236999-fannie-answers-income-questions</link>
    </item>
    <item>
      <title>GSEs Ease Condo Rules for Property Insurance</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236998</guid>
      <pubDate>Fri, 20 Mar 2026 14:15:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236998-gses-ease-condo-rules</link>
    </item>
    <item>
      <title>GSE Deliveries Fall 11.4% in February</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236849</guid>
      <pubDate>Fri, 06 Mar 2026 14:55:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236849-gse-deliveries-fall-115-in-february</link>
    </item>
    <item>
      <title>GSEs Issue Guidance Amid DHS Funding Lapse</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236865</guid>
      <pubDate>Fri, 06 Mar 2026 14:49:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236865-gses-issue-shutdown-guidance</link>
    </item>
    <item>
      <title>Fannie Updates Income Assessment Policies</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236874</guid>
      <pubDate>Fri, 06 Mar 2026 14:46:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236874-fannie-updates-income-assessment-policies</link>
    </item>
    <item>
      <title>FHFA to Improve Nonbank Supervision on GAO Nudge</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236733</guid>
      <pubDate>Fri, 20 Feb 2026 14:47:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236733-gao-non-bank-mortgage-companies-need-closer-fhfa-supervision</link>
    </item>
    <item>
      <title>Study Finds GSE-Backed Investor Loans Crowd Out FTHBs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236723</guid>
      <pubDate>Fri, 20 Feb 2026 14:45:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236723-do-gse-backed-investor-loans-crowd-out-fthbs</link>
    </item>
    <item>
      <title>Records Released Under FOIA Add to Tri-Merge Debate</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236596</guid>
      <pubDate>Fri, 06 Feb 2026 14:52:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236596-keeping-track-of-the-tri-merge</link>
    </item>
    <item>
      <title>FHFA Directs GSEs to Align Manufactured Home Programs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Newly coordinated standards at the GSEs make it easier for certain factory-built homes to receive site-built financing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236603</guid>
      <pubDate>Fri, 06 Feb 2026 14:47:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236603-fhfa-directs-gses-to-align-manufactured-home-programs</link>
    </item>
    <item>
      <title>CHLA Prefers Retaining Tri-Merge Score Process</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236436</guid>
      <pubDate>Thu, 22 Jan 2026 11:53:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236436-chla-prefers-retaining-the-tri-merge</link>
    </item>
    <item>
      <title>Rocket/Mr. Cooper Top UWM With GSE Deliveries</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236326</guid>
      <pubDate>Fri, 09 Jan 2026 15:38:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236326-rocket-eclipses-uwm-sort-of</link>
    </item>
    <item>
      <title>Profitability Gap on G-Fees Negative in 2024</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236350</guid>
      <pubDate>Fri, 09 Jan 2026 15:35:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236350-profitability-gap-on-g-fees-went-negative-in-2024</link>
    </item>
    <item>
      <title>OIG Report Details 2023 Spike in Multifamily Fraud</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236354</guid>
      <pubDate>Fri, 09 Jan 2026 15:32:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236354-oig-report-describes-2023-spike-in-mf-mortgage-fraud</link>
    </item>
    <item>
      <title>Freddie Strengthens Sponsor Underwriting for Multifamily</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie is revising its liquidity verification documentation requirements for sponsors to include a liquidity verification worksheet with delivery of the full underwriting package.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236331</guid>
      <pubDate>Fri, 09 Jan 2026 15:31:35 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236331-freddie-strengthens-sponsor-underwriting-for-multifamily</link>
    </item>
    <item>
      <title>Fannie Steps Up Fraud Prevention</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236223</guid>
      <pubDate>Fri, 19 Dec 2025 13:00:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236223-fannie-steps-up-fraud-prevention</link>
    </item>
    <item>
      <title>Assumable and Portable Mortgages Seen as Niche</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[UI researchers explore whether the GSEs, by accepting new loan products, can help alleviate the lock-in effect and improve affordability for homebuyers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236222</guid>
      <pubDate>Fri, 19 Dec 2025 12:58:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236222-housing-supply-assumable-vs-portable-mortgages</link>
    </item>
    <item>
      <title>House Reps Push for Looser Homeowners Insurance Rules at GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235983</guid>
      <pubDate>Fri, 21 Nov 2025 15:08:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235983-house-republicans-push-for-looser-homeowners-insurance-rules-at-gses</link>
    </item>
    <item>
      <title>GSE Sales Surge in October With Refinance Activity</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235829</guid>
      <pubDate>Fri, 07 Nov 2025 14:00:16 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235829-gse-sales-surge-in-october</link>
    </item>
    <item>
      <title>Potpourri of Selling Guide Updates at the GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The changes impact mortgages on manufactured homes, the treatment of rental income, undisclosed liabilities and single-closing construction-to-permanent loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235836</guid>
      <pubDate>Fri, 07 Nov 2025 13:55:19 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235836-a-potpourri-of-selling-guide-updates-t</link>
    </item>
    <item>
      <title>GSEs Faulted for Variations in Share Across Markets</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[According to an analysis by a former FHFA economist, GSE market share ranges from 14.5% in Eagle Pass, TX, to 67.0% in Boulder, CO. Except for Puerto Rico, these disparities are widest in the South and Southwest.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235849</guid>
      <pubDate>Fri, 07 Nov 2025 13:54:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235849-uneven-access-to-the-gses</link>
    </item>
    <item>
      <title>Smaller Lenders Gain GSE Market Share</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[While market share of small- and mid-sized nonbank lenders grew, there was some leakage at the large nonbank lenders. Large mortgage companies’ market share fell sequentially to 53.8% from 56.1%. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235561</guid>
      <pubDate>Fri, 10 Oct 2025 16:24:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235561-smaller-lenders-gain-market-share</link>
    </item>
    <item>
      <title>GSEs Update Seller/Servicer Guides</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie modifies how it treats income from ADUs; Freddie requires large servicers to undergo annual AICPA security examinations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235584</guid>
      <pubDate>Fri, 10 Oct 2025 16:20:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235584-gses-update-seller-servicer-guides</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie board member jumps to Fannie board; a week of CAS and STACR tender offers; and seller/servicer guidance for the shutdown.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235590</guid>
      <pubDate>Fri, 10 Oct 2025 16:08:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235590-gse-round-up</link>
    </item>
    <item>
      <title>Rocket-Mr. Cooper Merger Approval Comes With a Rider</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Regulatory approval of the merged company creates the second-largest GSE seller and by far the largest GSE servicer.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235191</guid>
      <pubDate>Fri, 29 Aug 2025 11:42:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235191-rocket-mr-cooper-successor-as-gse-seller-servicer</link>
    </item>
    <item>
      <title>Consumer Groups Oppose Crypto in GSE Underwriting</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Critics claim the volatility of cryptocurrency valuations and exposure to fraud would undermine the safety and soundness of Fannie Mae and Freddie Mac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235195</guid>
      <pubDate>Fri, 29 Aug 2025 11:41:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235195-consumer-groups-oppose-crypto-in-gse-underwriting</link>
    </item>
    <item>
      <title>Competing Research at VantageScore and FICO</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Conflicting data from the two credit score giants muddy the waters about which best serves the GSEs and a mortgage industry eager for more competition.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235196</guid>
      <pubDate>Fri, 29 Aug 2025 11:40:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235196-competing-research-at-vantagescore-and-fico</link>
    </item>
  </channel>
</rss>
