https://www.insidemortgagefinance.com/rss en-us 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 Many questions about the transition to UAD 3.6 revolve around whether loans originated using UAD 2.6 can still be submitted via the Uniform Collateral Data Portal. http://www.insidemortgagefinance.com/articles/238350 Fri, 21 Aug 2026 15:50:51 -0400 https://www.insidemortgagefinance.com/articles/238350-gses-address-industry-questions-about-uad-36 dhollier@imfpubs.com Investor challenges estimates by Pershing Square’s Bill Ackman, arguing Freddie Mac is now more valuable that Fannie Mae. http://www.insidemortgagefinance.com/articles/238342 Fri, 21 Aug 2026 15:49:55 -0400 https://www.insidemortgagefinance.com/articles/238342-is-freddie-mac-undervalued 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 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 Although the new condo rules have been criticized for being too stringent, GSE executives say many “expansions” have been added to the rules to make them more palatable. http://www.insidemortgagefinance.com/articles/238191 Fri, 07 Aug 2026 14:54:02 -0400 https://www.insidemortgagefinance.com/articles/238191-gses-explain-nuances-of-condo-project-eligibility-rules 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 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 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 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 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