https://www.insidemortgagefinance.com/rss en-us 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 The business assets of a related person are now an eligible source of gifts. However, the donor still cannot be the builder or another interested party. http://www.insidemortgagefinance.com/articles/237946 Fri, 10 Jul 2026 15:14:55 -0400 https://www.insidemortgagefinance.com/articles/237946-freddie-eases-underwriting-of-large-deposits-and-gifts 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 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 Appraisers now have a trio of aids to help them navigate the adoption of UAD 3.6 and the new URAR. http://www.insidemortgagefinance.com/articles/237858 Fri, 26 Jun 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237858-fannie-preps-appraisers-for-uad-36 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 Changes at Freddie Mac simplify income history verification for both self-employed and non-self-employed borrowers. That includes certain borrowers who receive guaranteed payments from a partnership. http://www.insidemortgagefinance.com/articles/237719 Fri, 12 Jun 2026 16:05:00 -0400 https://www.insidemortgagefinance.com/articles/237719-selling-guide-updates-give-lenders-more-flexibility 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 Four of the 11 regional Federal Home Loan Banks saw double-digit declines in net income in the first quarter, even though total assets grew for the period. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237586 Fri, 29 May 2026 12:14:04 -0400 https://www.insidemortgagefinance.com/articles/237586-margins-dip-at-the-fhlbanks 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 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 dhollier@imfpubs.com Freddie’s Optigo network, a select group of approved seller/servicers, will remain the primary servicers on multifamily loans, while the GSE will provide master servicing. http://www.insidemortgagefinance.com/articles/237612 Fri, 29 May 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237612-freddie-leans-into-servicing-excellence 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 Both VantageScore and FICO have commissioned research to support their claims of superiority. But the truth probably won’t be known until VantageScore 4.0 and FICO 10T compete head-to-head. http://www.insidemortgagefinance.com/articles/237442 Fri, 15 May 2026 12:08:13 -0400 https://www.insidemortgagefinance.com/articles/237442-comparing-vantagescore-40-and-fico-10t 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 bivey@imfpubs.com Fannie and Freddie separately updated their selling guides, with changes involving remote online notarization and qualification in instances where the mortgage applicant is anticipating a new job or a raise. There are also some developments involving the Uniform Appraisal Dataset. http://www.insidemortgagefinance.com/articles/237484 Fri, 15 May 2026 12:02:18 -0400 https://www.insidemortgagefinance.com/articles/237484-gses-make-varied-tweaks-to-selling-guides bivey@imfpubs.com Fannie Mae is offering a new custodial bank account management application that impacts submissions of various forms to the GSE. Freddie Mac has adjusted the definitions of “change of control” and “senior management” at mortgage companies. http://www.insidemortgagefinance.com/articles/237485 Fri, 15 May 2026 12:00:22 -0400 https://www.insidemortgagefinance.com/articles/237485-gses-make-minor-updates-to-servicing-guides