https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com Frustrated with FICO and the big three credit reporting bureaus, the FHFA director abruptly ushered in the era of two competing credit scores. http://www.insidemortgagefinance.com/articles/238457 Fri, 04 Sep 2026 16:47:28 -0400 https://www.insidemortgagefinance.com/articles/238457-pulte-opens-vantagescore-to-all-lenders dhollier@imfpubs.com Jon Oksenholt’s plan would create a parent company that would own the GSEs and Common Securitization Services but allow them to keep their charters and operate independently. http://www.insidemortgagefinance.com/articles/238440 Fri, 04 Sep 2026 16:45:42 -0400 https://www.insidemortgagefinance.com/articles/238440-another-proposal-for-ending-the-conservatorships dhollier@imfpubs.com Fannie reshuffled the rental income section of its seller guide in response to lender complaints that the guidance was too complex. http://www.insidemortgagefinance.com/articles/238454 Fri, 04 Sep 2026 16:45:10 -0400 https://www.insidemortgagefinance.com/articles/238454-gse-guide-updates-impact-rental-income-and-verification-of-employment dhollier@imfpubs.com Both executives and rank-and-file employees at Fannie Mae are more pessimistic about job security. http://www.insidemortgagefinance.com/articles/238428 Fri, 04 Sep 2026 16:19:50 -0400 https://www.insidemortgagefinance.com/articles/238428-heads-fall-again-at-fannie-mae dhollier@imfpubs.com With the mandate for UAD 3.6 fast approaching, there’s been a dramatic expansion in the number of appraisal software providers. http://www.insidemortgagefinance.com/articles/238423 Fri, 04 Sep 2026 16:17:54 -0400 https://www.insidemortgagefinance.com/articles/238423-gses-update-status-of-uad-36-ucd-v20 dhollier@imfpubs.com The Congressional Research Service reminds stakeholders of the complications involved in reprivatizing Fannie Mae and Freddie Mac. http://www.insidemortgagefinance.com/articles/238449 Fri, 04 Sep 2026 16:16:00 -0400 https://www.insidemortgagefinance.com/articles/238449-crs-reviews-challenges-of-gses-exit dhollier@imfpubs.com Terminating the use of SPCPs continues the Trump administration’s war on DEI. http://www.insidemortgagefinance.com/articles/238455 Fri, 04 Sep 2026 16:15:01 -0400 https://www.insidemortgagefinance.com/articles/238455-last-nail-in-the-coffin-for-spcps dhollier@imfpubs.com New PMIERs guidelines help determine required asset levels for MIs, but industry officials say they already have more than required. http://www.insidemortgagefinance.com/articles/238380 Thu, 27 Aug 2026 11:50:04 -0400 https://www.insidemortgagefinance.com/articles/238380-pmis-say-theyre-ready-for-vantagescore-40 dhollier@imfpubs.com FHFA’s plan to remove the term reputational harm from the suspended counterparty program regulation appears to have near universal support from mortgage industry stakeholders. http://www.insidemortgagefinance.com/articles/238332 Fri, 21 Aug 2026 15:53:45 -0400 https://www.insidemortgagefinance.com/articles/238332-little-response-to-weakening-of-scp-rule dhollier@imfpubs.com Industry stakeholders welcomed the idea of reducing the regulatory burden faced by the FHLBanks, but they also want insurance that the system will continue to serve their interests. http://www.insidemortgagefinance.com/articles/238317 Fri, 21 Aug 2026 15:52:47 -0400 https://www.insidemortgagefinance.com/articles/238317-fhlbanks-may-find-it-easier-to-add-new-business-activities dhollier@imfpubs.com This month saw the end of limited reviews and baseline accounting for condo projects. Reserve requirements jump to 15% in January. http://www.insidemortgagefinance.com/articles/238336 Fri, 21 Aug 2026 15:51:49 -0400 https://www.insidemortgagefinance.com/articles/238336-implementation-of-new-condo-rules-begins dhollier@imfpubs.com In a hypothetical scenario in many ways worse than the great financial crisis, combined net income at Fannie Mae and Freddie Mac remained positive. http://www.insidemortgagefinance.com/articles/238311 Fri, 21 Aug 2026 15:47:59 -0400 https://www.insidemortgagefinance.com/articles/238311-gses-ace-2026-stress-tests dhollier@imfpubs.com Industry trade groups are pushing for optimized investment tools, community bankers are warning against systemic risk and housing advocates believe the proposal will allow the GSEs to abandon the nation’s neediest populations. http://www.insidemortgagefinance.com/articles/238202 Fri, 07 Aug 2026 14:56:00 -0400 https://www.insidemortgagefinance.com/articles/238202-housing-sector-split-on-duty-to-serve-proposal dhollier@imfpubs.com More than 100 lenders have sought approval to participate in the GSEs’ pilot program for VantageScore 4.0. MBS investors are also seeking measures to prevent gaming, increase data transparency and ensure the GSEs can accept applications with more than one score. http://www.insidemortgagefinance.com/articles/238206 Fri, 07 Aug 2026 14:55:01 -0400 https://www.insidemortgagefinance.com/articles/238206-primary-secondary-markets-split-on-credit-score-framework dhollier@imfpubs.com Selling guide changes at the GSEs should make it easier for some borrowers to qualify for mortgages. http://www.insidemortgagefinance.com/articles/238218 Fri, 07 Aug 2026 14:53:03 -0400 https://www.insidemortgagefinance.com/articles/238218-gses-update-guides-for-condo-rules-and-qualifying-income dhollier@imfpubs.com Fairholme Funds v. FHFA, the only net worth sweep lawsuit to make it to trial, is nearing the end of litigation. Fairholme Funds v. FHFA, the only net worth sweep lawsuit to make it to trial, is nearing the end of litigation.]]> http://www.insidemortgagefinance.com/articles/238192 Fri, 07 Aug 2026 14:52:06 -0400 https://www.insidemortgagefinance.com/articles/238192-appeals-court-affirms-jury-award-for-gse-shareholders dhollier@imfpubs.com Federal Housing Finance Agency Director Bill Pulte recently hinted that Fannie Mae and Freddie Mac might expand their title waiver programs. The effort doesn’t sit well with title insurance providers. http://www.insidemortgagefinance.com/articles/238216 Fri, 07 Aug 2026 14:51:08 -0400 https://www.insidemortgagefinance.com/articles/238216-title-industry-opposes-expansion-of-title-waiver-pilot dhollier@imfpubs.com An OIG audit identified missing security control assessments that left core federal housing IT infrastructure exposed to unvalidated, undetected compromises. http://www.insidemortgagefinance.com/articles/238217 Fri, 07 Aug 2026 14:50:11 -0400 https://www.insidemortgagefinance.com/articles/238217-it-security-remains-ineffective-at-fhfa dhollier@imfpubs.com FHFA proposes eliminating the “reputational harm” provisions in the regulation to comply with an executive order issued last August. http://www.insidemortgagefinance.com/articles/238076 Fri, 24 Jul 2026 15:56:11 -0400 https://www.insidemortgagefinance.com/articles/238076-dialing-back-scp-enforcement dhollier@imfpubs.com Construction loans may be too risky for the GSEs to purchase at scale, but Fannie has other products that help increase and preserve supply. http://www.insidemortgagefinance.com/articles/238040 Fri, 24 Jul 2026 15:55:22 -0400 https://www.insidemortgagefinance.com/articles/238040-fannies-supply-problem-strategies dhollier@imfpubs.com House members discuss reforms to AMA, Affordable Housing Program, membership eligibility, and ways to provide CDFIs more access to FHLB advances. http://www.insidemortgagefinance.com/articles/238094 Fri, 24 Jul 2026 15:50:17 -0400 https://www.insidemortgagefinance.com/articles/238094-house-committee-debates-fhlb-reform dhollier@imfpubs.com The rule change would reduce regulatory costs and effort for both the FHLBanks and FHFA, dovetailing with Trump administration plans to simplify regulation for federal agencies. http://www.insidemortgagefinance.com/articles/238084 Fri, 24 Jul 2026 15:48:21 -0400 https://www.insidemortgagefinance.com/articles/238084-fhfa-to-repeal-fhlb-regulation-on-new-business-activities dhollier@imfpubs.com Senate Democrats press OMB Director Vought to release previously allocated and designated grant funding for organizations to build and rehabilitate housing. http://www.insidemortgagefinance.com/articles/238037 Fri, 24 Jul 2026 15:47:25 -0400 https://www.insidemortgagefinance.com/articles/238037-white-house-withholds-htf-and-cmf-funds dhollier@imfpubs.com FHFA rescinds decades old Q&A sessions; Office of Finance names new board chair. http://www.insidemortgagefinance.com/articles/238086 Fri, 24 Jul 2026 15:46:32 -0400 https://www.insidemortgagefinance.com/articles/238086-gse-roundup dhollier@imfpubs.com FHFA wants to claim exemptions “for certain system of records to ensure the agency can effectively carry out its statutory responsibilities while safeguarding sensitive information.” http://www.insidemortgagefinance.com/articles/237962 Fri, 10 Jul 2026 15:15:54 -0400 https://www.insidemortgagefinance.com/articles/237962-white-house-releases-fhfas-2026-regulatory-agenda dhollier@imfpubs.com Proposed legislation revives congressional debate about ending the conservatorships. But mortgage industry stakeholders are skeptical about the bills chance of passage. http://www.insidemortgagefinance.com/articles/237918 Fri, 10 Jul 2026 15:13:02 -0400 https://www.insidemortgagefinance.com/articles/237918-house-bill-would-codify-conservatorship-reforms dhollier@imfpubs.com Proposed legislation would allow Fannie Mae and Freddie Mac to purchase and securitize residential construction loans, provided those projects meet certain affordability and safety and soundness requirements. http://www.insidemortgagefinance.com/articles/237944 Fri, 10 Jul 2026 15:12:58 -0400 https://www.insidemortgagefinance.com/articles/237944-should-the-gses-support-home-construction dhollier@imfpubs.com Former Freddie CEO believes recap-and-release will not be completed while President Trump is in office. http://www.insidemortgagefinance.com/articles/237964 Fri, 10 Jul 2026 15:11:06 -0400 https://www.insidemortgagefinance.com/articles/237964-no-end-in-sight-for-the-conservatorship dhollier@imfpubs.com In a scenario that Fannie and Freddie exit conservatorship, Urban Institute analysts believe that the courts will allow the uniform MBS to persist, even though it requires coordination between the GSEs that could invite antitrust litigation. http://www.insidemortgagefinance.com/articles/237956 Fri, 10 Jul 2026 15:10:08 -0400 https://www.insidemortgagefinance.com/articles/237956-umbs-vs-sherman-act 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