https://www.insidemortgagefinance.com/rss en-us ewilley@imfpubs.com Refinance volume included in Ginnie Mae mortgage-backed securities slipped for the fourth consecutive month in August as interest rates climbed higher. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238516 Fri, 11 Sep 2026 12:12:42 -0400 https://www.insidemortgagefinance.com/articles/238516-ginnie-refi-slide-continues-in-august ewilley@imfpubs.com FHA plans to begin accepting loans underwritten using the new scoring model on a wide scale, rather than via a limited rollout. http://www.insidemortgagefinance.com/articles/238517 Fri, 11 Sep 2026 12:10:43 -0400 https://www.insidemortgagefinance.com/articles/238517-fha-to-accept-vantagescore-fico-10t-in-2027 ewilley@imfpubs.com The Department of Housing and Urban Development quickly withdrew a cost-benefit document, which outlined reorganization plans. http://www.insidemortgagefinance.com/articles/238513 Fri, 11 Sep 2026 12:08:45 -0400 https://www.insidemortgagefinance.com/articles/238513-hud-withdraws-reorg-plans ewilley@imfpubs.com Industry groups urged FHA to flesh out and update the disclosures for VA mortgages that will be added to FHA mortgage applications as a result of Congress’ new housing law. http://www.insidemortgagefinance.com/articles/238498 Fri, 11 Sep 2026 12:06:47 -0400 https://www.insidemortgagefinance.com/articles/238498-trade-groups-voice-concerns-over-va-disclosures ewilley@imfpubs.com Many large FHA lenders were consistently more lenient or stringent in their acceptance of applications over an eight-year period studied in a pair of new working papers. http://www.insidemortgagefinance.com/articles/238494 Fri, 11 Sep 2026 12:05:51 -0400 https://www.insidemortgagefinance.com/articles/238494-fha-lender-denial-rates-consistent-over-time ewilley@imfpubs.com Fannie Mae will update its automated underwriting system so it can accept lender-provided interest rates for FHA ARMs. http://www.insidemortgagefinance.com/articles/238518 Fri, 11 Sep 2026 12:03:55 -0400 https://www.insidemortgagefinance.com/articles/238518-desktop-underwriter-to-accept-arm-rates-from-lenders ewilley@imfpubs.com If borrowers of VA loans only paid refinance fees in cash or by rolling the fees into the interest rate, it would more accurately reflect the annual percentage rate of the new mortgage, thus reducing refis where the benefit is razor-thin, according to the Urban Institute. http://www.insidemortgagefinance.com/articles/238480 Fri, 11 Sep 2026 12:01:56 -0400 https://www.insidemortgagefinance.com/articles/238480-urban-suggests-rate-roll-in-can-reduce-va-prepays ewilley@imfpubs.com FHA Connection to institute ID check; USDA Farm Service Agency modernizes loan delivery; FHA application share increases. http://www.insidemortgagefinance.com/articles/238519 Fri, 11 Sep 2026 12:00:59 -0400 https://www.insidemortgagefinance.com/articles/238519-around-the-industry ewilley@imfpubs.com Sources say chatter of a potential reduction to FHA’s mortgage insurance premium has been circulating around Washington, DC. http://www.insidemortgagefinance.com/articles/238400 Fri, 28 Aug 2026 15:50:29 -0400 https://www.insidemortgagefinance.com/articles/238400-rate-cute-rumors-reverberate-in-washington ewilley@imfpubs.com Ginnie Mae is using its internal framework to evaluate potential use cases for AI, to avoid feeding data into a public model, according to its president, Joe Gormley. http://www.insidemortgagefinance.com/articles/238399 Fri, 28 Aug 2026 15:47:30 -0400 https://www.insidemortgagefinance.com/articles/238399-ginnie-cautiously-exploring-ai-use-cases ewilley@imfpubs.com The Mortgage Bankers Association fired back in defense of the FHA program and nonbank participants after an opinion piece in the Wall Street Journal suggested nonbanks engaged in risky underwriting under the government guarantee. http://www.insidemortgagefinance.com/articles/238404 Fri, 28 Aug 2026 15:46:31 -0400 https://www.insidemortgagefinance.com/articles/238404-mba-defends-fha-program-nonbanks ewilley@imfpubs.com Ginnie Mae’s latest Global Markets Analysis Report spotlighted programs that provide financing for FHA Title I and II loans for manufactured and modular homes. http://www.insidemortgagefinance.com/articles/238403 Fri, 28 Aug 2026 15:45:33 -0400 https://www.insidemortgagefinance.com/articles/238403-ginnie-highlights-secondary-market-for-fha-manufactured-loans ewilley@imfpubs.com The Department of Veterans Affairs improperly credited an automated appraisal management service it contracted with for work that was done by government employees, according to the Government Accountability Office. http://www.insidemortgagefinance.com/articles/238397 Fri, 28 Aug 2026 15:43:34 -0400 https://www.insidemortgagefinance.com/articles/238397-gao-decides-va-credited-contactor-for-govt-work ewilley@imfpubs.com The Urban Institute recommended that FHA efficiently target a few key areas that have the greatest potential to help ensure the success of its small-dollar lending pilot. http://www.insidemortgagefinance.com/articles/238354 Fri, 28 Aug 2026 15:42:36 -0400 https://www.insidemortgagefinance.com/articles/238354-urban-urges-simplicity-in-small-dollar-pilot ewilley@imfpubs.com Ginnie adds manufactured-home disclosure; FHA application share decreases; Ginnie portal to go offline for update. http://www.insidemortgagefinance.com/articles/238405 Fri, 28 Aug 2026 15:41:37 -0400 https://www.insidemortgagefinance.com/articles/238405-around-the-industry ewilley@imfpubs.com Issuance of Ginnie Mae mortgage-backed securities eased in July as securitizations of refinances dropped. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238278 Fri, 14 Aug 2026 14:54:29 -0400 https://www.insidemortgagefinance.com/articles/238278-slowing-refis-dragged-on-ginnie-issuance-in-july ewilley@imfpubs.com The nonbank servicer and a tech vendor separately implemented VA’s partial claim loss-mitigation option well in advance of VA’s deadline. http://www.insidemortgagefinance.com/articles/238228 Fri, 14 Aug 2026 14:51:45 -0400 https://www.insidemortgagefinance.com/articles/238228-va-servicers-move-quickly-to-roll-out-partial-claims ewilley@imfpubs.com The agency sought to address the legal risks servicers face when foreclosing on a home in which the VA has a partial claim interest. http://www.insidemortgagefinance.com/articles/238265 Fri, 14 Aug 2026 14:50:42 -0400 https://www.insidemortgagefinance.com/articles/238265-va-averts-legal-foreclosure-risks-from-partial-claims ewilley@imfpubs.com FHA is testing the Uniform Appraisal Dataset 3.6 among a select group of lenders, as Fannie Mae and Freddie Mac lenders face a mandatory implementation date. http://www.insidemortgagefinance.com/articles/238279 Fri, 14 Aug 2026 14:49:41 -0400 https://www.insidemortgagefinance.com/articles/238279-fha-continues-testing-of-updated-appraisal-forms ewilley@imfpubs.com The likelihood that a loan backed by the VA will prepay spikes sharply within the first year after origination, but in a higher rate environment, prepay speeds might be suppressed for a while. http://www.insidemortgagefinance.com/articles/238235 Fri, 14 Aug 2026 14:48:39 -0400 https://www.insidemortgagefinance.com/articles/238235-va-prepay-wave-faces-slowdown ewilley@imfpubs.com The Mortgage Bankers Association supported the Department of Housing and Urban Development’s proposal to cease requiring a permanent steel chassis on the upper floors of a tiered manufactured structure. The National Association of Home Builders urged HUD to update its codes so the structures remained safe. http://www.insidemortgagefinance.com/articles/238258 Fri, 14 Aug 2026 14:47:37 -0400 https://www.insidemortgagefinance.com/articles/238258-mba-supports-hud-chassis-rule-nahb-urges-structural-provisions ewilley@imfpubs.com FHA and VA borrowers saw more consistent interest rates on new production regardless of their credit score, compared with borrowers who received conventional mortgages.FHA and VA borrowers saw more consistent rate outcomes regardless of their credit score, versus conventional mortgage borrowers. http://www.insidemortgagefinance.com/articles/238277 Fri, 14 Aug 2026 14:46:36 -0400 https://www.insidemortgagefinance.com/articles/238277-ice-finds-rate-outcomes-more-consistent-among-government-borrowers ewilley@imfpubs.com FHA updates handbook; Ginnie portfolio nears $3 trillion; Ginnie prepares for MFA sign-in. http://www.insidemortgagefinance.com/articles/238280 Fri, 14 Aug 2026 14:45:36 -0400 https://www.insidemortgagefinance.com/articles/238280-around-the-industry ewilley@imfpubs.com FHA serious delinquencies have spiked in recent quarters because of a reporting change implemented under a new loss-mitigation regime, but improving early-stage delinquencies could foreshadow the start of normalization. http://www.insidemortgagefinance.com/articles/238135 Fri, 31 Jul 2026 13:11:48 -0400 https://www.insidemortgagefinance.com/articles/238135-fha-dqs-show-signs-of-stabilization ewilley@imfpubs.com The agency recently issued a draft policy that would allow servicers to structure FHA partial claims similarly to other servicing advances rather than as a subordinate note. http://www.insidemortgagefinance.com/articles/238144 Fri, 31 Jul 2026 13:10:50 -0400 https://www.insidemortgagefinance.com/articles/238144-fha-proposes-simplified-partial-claim-structure ewilley@imfpubs.com The 21st Century ROAD to Housing Act includes some initiatives meant to enhance FHA’s multifamily program, which has seen reduced usage since the pandemic. http://www.insidemortgagefinance.com/articles/238149 Fri, 31 Jul 2026 13:08:52 -0400 https://www.insidemortgagefinance.com/articles/238149-road-law-seeks-to-boost-fha-multifamily-program ewilley@imfpubs.com The foreclosure mitigation counseling provision in the housing law doesn’t explain who’s is going to pay for counseling tied to VA and USDA loans. http://www.insidemortgagefinance.com/articles/238150 Fri, 31 Jul 2026 13:06:55 -0400 https://www.insidemortgagefinance.com/articles/238150-housing-laws-counseling-measure-leaves-questions ewilley@imfpubs.com The Mortgage Bankers Association said VA lenders currently have to rely on a patchwork of mortgage-related guidance scattered across circulars in addition to the Lenders Handbook. http://www.insidemortgagefinance.com/articles/238145 Fri, 31 Jul 2026 13:05:01 -0400 https://www.insidemortgagefinance.com/articles/238145-mba-pushes-for-va-lender-handbook-updates ewilley@imfpubs.com The trade group said the planned relocation raises doubts about whether sufficient Rural Housing Service staff will stay on to implement the delegated underwriting authority pilot program. http://www.insidemortgagefinance.com/articles/238098 Fri, 31 Jul 2026 13:03:04 -0400 https://www.insidemortgagefinance.com/articles/238098-chla-voices-concern-over-rhs-office-move ewilley@imfpubs.com VA fee hike stalls; AI underwriter adds USDA support; HUD to advance grant management system update; FHA spread holds flat. http://www.insidemortgagefinance.com/articles/238151 Fri, 31 Jul 2026 13:00:06 -0400 https://www.insidemortgagefinance.com/articles/238151-news-in-brief