https://www.insidemortgagefinance.com/rss en-us 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 Freddie’s new system for the near-real-time reporting of default events doesn’t become mandatory until September 2027, but servicers may begin reporting as early as November 2026. http://www.insidemortgagefinance.com/articles/238347 Fri, 21 Aug 2026 15:48:57 -0400 https://www.insidemortgagefinance.com/articles/238347-freddie-preps-servicers-for-default-reporting-modernization dhollier@imfpubs.com Freddie Mac servicers will have to transition from the monthly foreclosure reporting cycle of its old EDR system to a “near real-time” system based on key events. http://www.insidemortgagefinance.com/articles/238079 Fri, 24 Jul 2026 15:49:18 -0400 https://www.insidemortgagefinance.com/articles/238079-freddie-mae-to-replace-electronic-default-reporting-system 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 The growing sophistication of AI use is now reflected in an updated policy to manage the risk associated with the tech. http://www.insidemortgagefinance.com/articles/236093 Fri, 05 Dec 2025 13:38:20 -0500 https://www.insidemortgagefinance.com/articles/236093-freddie-hones-ai-policy dhollier@imfpubs.com Freddie board member jumps to Fannie board; a week of CAS and STACR tender offers; and seller/servicer guidance for the shutdown. http://www.insidemortgagefinance.com/articles/235590 Fri, 10 Oct 2025 16:08:31 -0400 https://www.insidemortgagefinance.com/articles/235590-gse-round-up dhollier@imfpubs.com The GSEs continue the modernization of the datasets critical to the mortgage industry, including updates that will be key to the implementation of multiple credit scores for mortgage borrowers. http://www.insidemortgagefinance.com/articles/235390 Fri, 26 Sep 2025 14:53:08 -0400 https://www.insidemortgagefinance.com/articles/235390-updating-the-umdp dhollier@imfpubs.com Fannie ditches legacy terminology related to appraisals; Freddie prices a $707 million SCRT; PIMCO buys 3,044 RPLs from Fannie. http://www.insidemortgagefinance.com/articles/235334 Fri, 12 Sep 2025 15:00:20 -0400 https://www.insidemortgagefinance.com/articles/235334-gse-roundup dhollier@imfpubs.com Starting in October, properties that are part of a condo project in insolvency proceedings will not be eligible for GSE loans. The rule applies immediately if the lender is already aware of the proceedings. http://www.insidemortgagefinance.com/articles/234713 Thu, 03 Jul 2025 12:54:16 -0400 https://www.insidemortgagefinance.com/articles/234713-fannie-guidance-on-condo-eligibility dhollier@imfpubs.com As the seven-plus-year redesign of the UAD and the URAR nears completion, the GSEs prepare industry stakeholders for the changes. http://www.insidemortgagefinance.com/articles/234578 Fri, 20 Jun 2025 15:14:45 -0400 https://www.insidemortgagefinance.com/articles/234578-countdown-to-uad-36 dhollier@imfpubs.com Fannie and Freddie both issued sellers guide updates alerting lenders to upcoming changes to UAD 3.6 and URAR. Other updates affect quality control procedures, measurement standards and attorney fees. http://www.insidemortgagefinance.com/articles/234593 Fri, 20 Jun 2025 15:11:47 -0400 https://www.insidemortgagefinance.com/articles/234593-updates-to-the-gses-seller-servicer-guides dhollier@imfpubs.com All insurance policies related to multifamily mortgage applications must now include the borrower as a “named insured” party. http://www.insidemortgagefinance.com/articles/234487 Fri, 06 Jun 2025 14:20:43 -0400 https://www.insidemortgagefinance.com/articles/234487-freddie-updates-insurance-standards-in-mf-sellers-guide dhollier@imfpubs.com The time frames for servicers to complete routine foreclosures will expand in 17 states and shorten in four others. http://www.insidemortgagefinance.com/articles/234000 Fri, 11 Apr 2025 15:02:00 -0400 https://www.insidemortgagefinance.com/articles/234000-fannie-updates-foreclosure-time-frames dhollier@imfpubs.com Updates will automate parts of the voluntary partial-cancellation process that are currently manual. This tool will be available through Freddie’s Gateway portal. http://www.insidemortgagefinance.com/articles/233594 Fri, 28 Feb 2025 14:36:02 -0500 https://www.insidemortgagefinance.com/articles/233594-freddie-updates-servicing-transfer-procedures dhollier@imfpubs.com Fannie seller/servicers must now have information security programs that meet NIST or ISO standards. http://www.insidemortgagefinance.com/articles/233456 Fri, 14 Feb 2025 16:03:00 -0500 https://www.insidemortgagefinance.com/articles/233456-new-cybersecurity-rules-for-fannie-seller-servicers dhollier@imfpubs.com No more tabbing back and forth between Loan Advisor and Servicing Gateway to find the tools you need. All Freddie’s single-family technology will now be available through its new Gateway portal. http://www.insidemortgagefinance.com/articles/233343 Fri, 31 Jan 2025 15:01:22 -0500 https://www.insidemortgagefinance.com/articles/233343-freddie-mac-unveils-new-portal-for-single-family dhollier@imfpubs.com MBA revisits complaints about a new regulation that requires the GSEs to certify that third-party service providers are compliant with FTC rules covering unfair or deceptive acts or practices. http://www.insidemortgagefinance.com/articles/233087 Fri, 03 Jan 2025 13:55:15 -0500 https://www.insidemortgagefinance.com/articles/233087-should-gses-be-liable-for-third-party-udap-violations dhollier@imfpubs.com Industry trade groups want FHFA to rescind recently issued GSE guidelines and related surveys, and instead use the request-for-input process to make policy changes. http://www.insidemortgagefinance.com/articles/232783 Wed, 27 Nov 2024 14:56:22 -0500 https://www.insidemortgagefinance.com/articles/232783-industry-protests-gses-new-insurance-verification-process dhollier@imfpubs.com Industry trade groups noted that the increase comes on top of a 400% price hike over the past two years. They also argued that the credit re-porting bureaus will inevitably add additional price hikes. http://www.insidemortgagefinance.com/articles/232678 Fri, 15 Nov 2024 15:29:23 -0500 https://www.insidemortgagefinance.com/articles/232678-trade-groups-protest-yet-another-fico-price-increase dhollier@imfpubs.com Appraisers will now have to cite the market analysis they used to support their overall market trend assumptions. http://www.insidemortgagefinance.com/articles/232699 Fri, 15 Nov 2024 15:27:27 -0500 https://www.insidemortgagefinance.com/articles/232699-enterprises-tweak-requirements-for-market-area-analysis bivey@imfpubs.com Freddie is adding loan mod functions to its Resolve system and retiring Workout Prospector. The GSE is also setting new fraud reporting requirements for lenders and servicers. http://www.insidemortgagefinance.com/articles/232173 Fri, 20 Sep 2024 14:16:59 -0400 https://www.insidemortgagefinance.com/articles/232173-freddie-servicing-updates-include-loan-mods-fraud dhollier@imfpubs.com The mortgage giant has implemented a requirement that seller/servicers maintain and share records of the types of fraud they see as well as any specific fraud cases they’re aware of. http://www.insidemortgagefinance.com/articles/232039 Fri, 06 Sep 2024 16:06:58 -0400 https://www.insidemortgagefinance.com/articles/232039-freddie-updates-fraud-reporting-requirements dhollier@imfpubs.com Freddie adds a new AIM provider, requires trended data in most credit reports. http://www.insidemortgagefinance.com/articles/231664 Fri, 26 Jul 2024 16:07:43 -0400 https://www.insidemortgagefinance.com/articles/231664-august-updates-to-lpa dhollier@imfpubs.com FHFA and its Office of Inspector General both missed the Bureau of Fiscal Service’s faulty calculation of the agency watchdog’s yearend payroll liability. http://www.insidemortgagefinance.com/articles/231039 Fri, 17 May 2024 13:59:51 -0400 https://www.insidemortgagefinance.com/articles/231039-gao-tags-accounting-errors-at-fhfa dhollier@imfpubs.com Fannie and Freddie find a way to deal with the NAR settlement without changing the rules. http://www.insidemortgagefinance.com/articles/230765 Fri, 19 Apr 2024 14:09:38 -0400 https://www.insidemortgagefinance.com/articles/230765-gses-clarify-treatment-of-buyers-agent-commissions dhollier@imfpubs.com Freddie clarifies how servicers should handle COVID-19 flex modifications for borrowers who recently became delinquent. Fannie announces a tool to compute the monthly income of self-employed borrowers. http://www.insidemortgagefinance.com/articles/229800 Fri, 22 Dec 2023 14:03:00 -0500 https://www.insidemortgagefinance.com/articles/229800-gses-update-seller-servicer-guides dhollier@imfpubs.com Fannie and Freddie have updated rules around employment contracts, shared appreciation and fluctuating income. http://www.insidemortgagefinance.com/articles/229422 Fri, 10 Nov 2023 14:48:43 -0500 https://www.insidemortgagefinance.com/articles/229422-gses-tweak-selling-guides dhollier@imfpubs.com Servicers should see several enhancements to Freddie’s Resolve platform and its APIs, including a dashboard they can use to manage their pipeline and track charge-offs. http://www.insidemortgagefinance.com/articles/229418 Fri, 10 Nov 2023 14:43:45 -0500 https://www.insidemortgagefinance.com/articles/229418-freddie-mac-updates-its-default-management-solution dhollier@imfpubs.com Both Fannie Mae and Freddie Mac have eased the rules that limit the use of rental income to qualify for a mortgage. http://www.insidemortgagefinance.com/articles/229159 Fri, 13 Oct 2023 13:40:10 -0400 https://www.insidemortgagefinance.com/articles/229159-gses-update-rental-income-requirements