https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com Proposed changes would revamp the treatment of “Indian areas” and rural agricultural workers, along with altering the method of calculating area median income. http://www.insidemortgagefinance.com/articles/237841 Fri, 26 Jun 2026 12:07:00 -0400 https://www.insidemortgagefinance.com/articles/237841-fhfa-proposes-broad-revision-of-duty-to-serve-rule dhollier@imfpubs.com Despite the controversy surrounding his investigations into political enemies of the president, FHFA Director Bill Pulte is asking Congress for enforcement authority over suspected cases of fraud. http://www.insidemortgagefinance.com/articles/237850 Fri, 26 Jun 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/237850-fhfa-renews-appeal-for-enforcement-authority dhollier@imfpubs.com The Federal Home Loan Banks say the supervisory haircut federal regulators proposed applying to their consolidated obligations when held as collateral is too large and may impair pricing and liquidity. http://www.insidemortgagefinance.com/articles/237849 Fri, 26 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237849-fhlbanks-chime-in-on-basel-iii-re-proposal dhollier@imfpubs.com As Basel III approaches the end of what may be its last notice and comment period, industry stakeholders work to secure last-minute policy changes. http://www.insidemortgagefinance.com/articles/237853 Fri, 26 Jun 2026 12:04:00 -0400 https://www.insidemortgagefinance.com/articles/237853-trades-question-capital-treatment-for-gses-multifamily-loans dhollier@imfpubs.com The National Association of Mortgage Brokers contends that the condo sector hasn’t had nearly enough time to prepare for the GSEs’ new requirements. http://www.insidemortgagefinance.com/articles/237857 Fri, 26 Jun 2026 12:03:00 -0400 https://www.insidemortgagefinance.com/articles/237857-brokers-seek-delay-of-condo-project-review-requirements dhollier@imfpubs.com Draft legislation would let the GSEs securitize construction loans; Fannie to expand title pilot program. http://www.insidemortgagefinance.com/articles/237860 Fri, 26 Jun 2026 12:01:50 -0400 https://www.insidemortgagefinance.com/articles/237860-gse-roundup dhollier@imfpubs.com A 50% cap on debt-to-income ratio within Fannie Mae’s Desktop Underwriter acts as an extra-regulatory limit on credit availability, according to researchers at the Federal Reserve Bank of St. Louis. http://www.insidemortgagefinance.com/articles/237702 Fri, 12 Jun 2026 16:07:00 -0400 https://www.insidemortgagefinance.com/articles/237702-fannie-aus-more-restrictive-than-freddies dhollier@imfpubs.com Implementation of UAD 3.6 has proceeded steadily during broad production, with mandatory implementation still set for Nov. 2. UAD 2.6 appraisals submitted on or after that date will fail, even if the appraisal was conducted prior to the mandate. http://www.insidemortgagefinance.com/articles/237707 Fri, 12 Jun 2026 16:06:00 -0400 https://www.insidemortgagefinance.com/articles/237707-gses-update-industry-on-umdp-developments dhollier@imfpubs.com Lenders responsible for the majority of conventional mortgage originations are currently using VantageScore in some fashion, but it’s still not clear how they deal with differences between VS4 and classic FICO. http://www.insidemortgagefinance.com/articles/237730 Fri, 12 Jun 2026 16:04:00 -0400 https://www.insidemortgagefinance.com/articles/237730-unanswered-questions-about-vantagescore-40-adoption dhollier@imfpubs.com A GSE shareholder advocate says selling rights to existing shareholders could resolve conflicting objectives that have vexed GSE reform during the Trump administration. http://www.insidemortgagefinance.com/articles/237739 Fri, 12 Jun 2026 16:03:00 -0400 https://www.insidemortgagefinance.com/articles/237739-another-nuance-for-gse-reform dhollier@imfpubs.com Despite saying he will nominate former SEC Chair Jay Clayton as director of national intelligence, President Trump appears to be sticking with FHFA Director Bill Pulte as acting DNI. http://www.insidemortgagefinance.com/articles/237738 Fri, 12 Jun 2026 16:02:00 -0400 https://www.insidemortgagefinance.com/articles/237738-pultes-role-as-acting-dni-in-limbo dhollier@imfpubs.com A new Milliman study finds that FICO 10T is more predictive of default risk across the full range of credit scores. VantageScore said the study is full of “statistical swindles.” http://www.insidemortgagefinance.com/articles/237595 Fri, 29 May 2026 12:12:06 -0400 https://www.insidemortgagefinance.com/articles/237595-score-war-vs4-vs-10t dhollier@imfpubs.com Some economists suggest Fannie and Freddie should accept mortgages that include a modest prepayment penalty as a way to keep residential mortgage rates lower. But that would be a political challenge. http://www.insidemortgagefinance.com/articles/237597 Fri, 29 May 2026 12:10:08 -0400 https://www.insidemortgagefinance.com/articles/237597-new-perspectives-on-gse-reform dhollier@imfpubs.com Milliman researchers calculate that the capital benefit Fannie Mae and Freddie Mac receive for their CRT activity reduces their capital requirement by about 20%. http://www.insidemortgagefinance.com/articles/237614 Fri, 29 May 2026 12:01:00 -0400 https://www.insidemortgagefinance.com/articles/237614-what-mbs-disclosures-tell-us-about-gse-capital dhollier@imfpubs.com A senior executive at the mortgage giant provides a rare glimpse into the how the new credit score impacts lender operations. http://www.insidemortgagefinance.com/articles/237609 Fri, 29 May 2026 10:07:03 -0400 https://www.insidemortgagefinance.com/articles/237609-rocket-launches-vantagescore-40 dhollier@imfpubs.com Two main sources for lender liquidity are working to improve communication and simplify collateral exchange. http://www.insidemortgagefinance.com/articles/237441 Fri, 15 May 2026 12:06:16 -0400 https://www.insidemortgagefinance.com/articles/237441-fhlbs-describe-synchrony-with-federal-reserve 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 If FHFA reduces the GSEs’ capital requirements, that would be a key signal that efforts are moving forward to end the conservatorship of Fannie Mae and Freddie Mac. http://www.insidemortgagefinance.com/articles/237355 Fri, 01 May 2026 16:20:03 -0400 https://www.insidemortgagefinance.com/articles/237355-gaming-out-gse-reform dhollier@imfpubs.com FHFA argued that the award was an unjustified windfall for GSE shareholders, many of whom knew about the net worth sweep when they purchased the stock. http://www.insidemortgagefinance.com/articles/237344 Fri, 01 May 2026 16:17:05 -0400 https://www.insidemortgagefinance.com/articles/237344-fhfa-appeals-jury-award-in-shareholder-lawsuit dhollier@imfpubs.com Industry watchers believe GSE reform is probably off the table until after the mid-term elections at least, as the administration’s focus has shifted to other priorities. http://www.insidemortgagefinance.com/articles/237369 Fri, 01 May 2026 16:15:06 -0400 https://www.insidemortgagefinance.com/articles/237369-status-quo-for-fannie-and-freddie dhollier@imfpubs.com GAO auditors suggested FHFA update its procedures for how accounting personnel consider the impact significant policy changes may have on its financial reporting. FHFA declines, saying the current procedures are fine. http://www.insidemortgagefinance.com/articles/237370 Fri, 01 May 2026 16:12:09 -0400 https://www.insidemortgagefinance.com/articles/237370-alphabet-soup-gao-fhfa-debate-gaap dhollier@imfpubs.com The trade group called for an all-of-government effort to solve the housing affordability crisis. That includes the GSEs. http://www.insidemortgagefinance.com/articles/237363 Fri, 01 May 2026 16:11:11 -0400 https://www.insidemortgagefinance.com/articles/237363-can-the-gses-impact-affordability 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 The Federal Home Loan Bank trade group supports President Trump’s executive order on improving access to mortgage credit. http://www.insidemortgagefinance.com/articles/237228 Fri, 17 Apr 2026 14:09:02 -0400 https://www.insidemortgagefinance.com/articles/237228-fhlbs-lobby-for-regulatory-reform 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 Since 2016, when the duty-to-serve rule compelled the GSEs to make it easier to buy homes in rural census tracts, home prices have remained mostly stable and rents have declined. http://www.insidemortgagefinance.com/articles/237218 Fri, 17 Apr 2026 14:04:07 -0400 https://www.insidemortgagefinance.com/articles/237218-dts-lending-doesnt-follow-inflationary-model dhollier@imfpubs.com Servicers will now have some leeway in how they execute flex loan modifications. http://www.insidemortgagefinance.com/articles/237238 Fri, 17 Apr 2026 14:02:09 -0400 https://www.insidemortgagefinance.com/articles/237238-freddie-tweaks-flex-mod-rules dhollier@imfpubs.com Experts at the bond giant criticized the random MBS purchases, GSE public offering plans and guarantee-fee reductions. http://www.insidemortgagefinance.com/articles/237198 Thu, 16 Apr 2026 16:08:20 -0400 https://www.insidemortgagefinance.com/articles/237198-pimco-skeptical-of-administrations-affordability-plans dhollier@imfpubs.com Officials at Fannie and Freddie say mortgage fraud remains rare but is growing more sophisticated. http://www.insidemortgagefinance.com/articles/237099 Fri, 03 Apr 2026 11:57:02 -0400 https://www.insidemortgagefinance.com/articles/237099-gses-talk-fraud 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