<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:media="http://search.yahoo.com/mrss/">
  <channel>
    <title>Inside FHA/VA Lending</title>
    <description>
      <![CDATA[]]>
    </description>
    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <item>
      <title>Mixed Trends for Largest Ginnie Servicers in 1Q</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Some of the largest servicers of loans in Ginnie Mae mortgage-backed securities saw portfolios shrink in the first quarter, according to a new ranking and analysis by <em>Inside FHA/VA Lending</em>. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237296</guid>
      <pubDate>Fri, 24 Apr 2026 16:38:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237296-mixed-trends-for-largest-ginnie-servicers-in-1q</link>
    </item>
    <item>
      <title>PIMCO Calls on FHA, Ginnie to Rein In Buydown Price Inflation</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Investment firm PIMCO believes FHA and Ginnie Mae should tackle builder buydowns to lower housing costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237287</guid>
      <pubDate>Fri, 24 Apr 2026 16:35:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237287-pimco-calls-for-fha-ginnie-to-tackle-buydown-price-inflation</link>
    </item>
    <item>
      <title>USDA Seeks to Exclude Commission Fees From Concession Limits</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The U.S. Department of Agriculture’s Rural Housing Service proposed excluding real estate commission fees from interested party contributions as part of an effort to lower closing costs for buyers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237255</guid>
      <pubDate>Fri, 24 Apr 2026 16:33:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237255-usda-seeks-to-exclude-commission-fee-from-concession-limit</link>
    </item>
    <item>
      <title>Some FHA Loan Deterioration Not Explained By Policy Changes</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association’s chief economist warned of some deterioration in FHA loan pools, even as the industry and Ginnie Mae write off the recent increase in delinquencies as an immaterial consequence of altered modification timelines.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237286</guid>
      <pubDate>Fri, 24 Apr 2026 16:32:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237286-schrodingers-fha-delinquency-crisis</link>
    </item>
    <item>
      <title>M&amp;T Bank Remains Keen on FHA Subservicing</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[M&T Bank’s mortgage-banking income declined in the first quarter because of a change in how it values mortgage servicing rights. The bank is optimistic its FHA subservicing business will see stronger returns in the second half of the year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237302</guid>
      <pubDate>Fri, 24 Apr 2026 16:29:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237302-m-and-t-bank-keen-on-fha-subservicing</link>
    </item>
    <item>
      <title>FHA to Modernize Credit Scores</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[HUD Secretary Scott Turner said FHA plans to accept VantageScore 4.0 and FICO 10T scores, but didn’t provide a timeframe.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237301</guid>
      <pubDate>Fri, 24 Apr 2026 16:28:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237301-fha-to-modernize-credit-scores</link>
    </item>
    <item>
      <title>OCC Settles With Chicago Bank Over Deceptive Ads</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Office of the Comptroller of the Currency entered into a consent order with Chicago-based Federal Savings Bank to settle allegations that the bank misled VA borrowers on refinance loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237298</guid>
      <pubDate>Fri, 24 Apr 2026 16:27:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237298-treasury-office-alleges-deceptive-va-advertisements-at-chicago-bank</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA reminds servicers of occupancy verification; Georgia’s Community Bankshares gets a slap on the wrist for USDA business; FDIC appoints FHA advisor; FHA spreads narrow.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237303</guid>
      <pubDate>Fri, 24 Apr 2026 16:26:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237303-around-the-industry</link>
    </item>
    <item>
      <title>Ginnie President Gormley Temporarily Heading FHA</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA Commissioner Frank Cassidy has taken a leave of absence for the foreseeable future.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237169</guid>
      <pubDate>Fri, 10 Apr 2026 15:12:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237169-top-ginnie-official-temporarily-heading-fha</link>
    </item>
    <item>
      <title>FHA Funding Flat in Trump’s 2027 Budget Wishlist</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[President Trump’s proposed budget for fiscal year 2027 would appropriate $160 million for FHA’s administrative expenses, level with the 2026 funding level.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237154</guid>
      <pubDate>Fri, 10 Apr 2026 15:10:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237154-fha-funding-flat-in-trump-budget-wishlist</link>
    </item>
    <item>
      <title>Spike in FHA Delinquencies Largely Tied to Loss-Mit Change</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The addition of the trial payment plan in FHA’s loss-mitigation waterfall appeared to have accounted for most of the recent jump in FHA severe delinquencies, according to research published by CRL.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237171</guid>
      <pubDate>Fri, 10 Apr 2026 15:08:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237171-fha-dq-jump-tied-to-trial-payments</link>
    </item>
    <item>
      <title>Widow Sues HUD, PHH Over Improper HECM Foreclosure</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The surviving spouse of a home equity conversion mortgage borrower sued the Department of Housing and Urban Development and PHH Mortgage over the foreclosure of the home she still occupied.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237158</guid>
      <pubDate>Fri, 10 Apr 2026 15:06:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237158-hud-phh-sued-over-alleged-improper-hecm-foreclosure</link>
    </item>
    <item>
      <title>Senators Aim to Expand Rural Mortgage Lending</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Lawmakers in the Senate introduced a version of a bill to expand mortgage lending by members of the Farm Credit System.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237118</guid>
      <pubDate>Fri, 10 Apr 2026 15:02:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237118-senators-aim-to-expand-rural-mortgage-lending</link>
    </item>
    <item>
      <title>Court Rules Against FCA Attorney Fee Multiplier</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Ninth Circuit ruled this week in favor of Academy Mortgage over a multiplier applied to the attorney’s fees awarded in a False Claims Act settlement involving FHA mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237177</guid>
      <pubDate>Fri, 10 Apr 2026 15:01:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237177-court-rules-against-fca-attorney-fee-multiplier</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA seeks underwriting head; FHEO pulls guidance documents; Pennymac supports House VA disclosure measure; HUD seeks revisions to HOME condo spending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237175</guid>
      <pubDate>Fri, 10 Apr 2026 15:00:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237175-around-the-industry</link>
    </item>
    <item>
      <title>Correspondent Share of FHA, VA Lending Increases in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Among a large group of lenders, the correspondent channel accounted for a 38.0% share of government-insured originations in 2025, up from a 34.5% share in 2024. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237064</guid>
      <pubDate>Fri, 27 Mar 2026 15:50:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237064-uwm-drove-govt-broker-channel-boom-in-4q</link>
    </item>
    <item>
      <title>VA Targets June Rollout of Partial Claims</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[VA is aiming to roll out its partial claim program in June. The agency is also open to revising its appraisal standards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237069</guid>
      <pubDate>Fri, 27 Mar 2026 15:48:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237069-va-targets-june-rollout-of-partial-claims</link>
    </item>
    <item>
      <title>HECM Endorsements Tick Up in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Endorsements of home equity conversion mortgages increased by 3.2% on an annual basis in 2025, even with four consecutive quarterly declines since the fourth quarter of 2024. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237041</guid>
      <pubDate>Fri, 27 Mar 2026 15:45:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237041-hecm-markets-strong-year-slid-in-4q</link>
    </item>
    <item>
      <title>Ginnie Servicers Nearing DQ Ceiling Face Elevated Buyouts</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Servicers of government loans in Ginnie Mae mortgage-backed securities will need to ramp up buyout activity as delinquencies in their portfolios increase.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237067</guid>
      <pubDate>Fri, 27 Mar 2026 15:44:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237067-ginnie-servicers-nearing-dq-ceiling-face-elevated-buyouts</link>
    </item>
    <item>
      <title>Trump Directive Encourages FHA, VA Appraisal Alignment</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Executive orders from President Trump aiming to address housing supply and affordability include many FHA and VA provisions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237047</guid>
      <pubDate>Fri, 27 Mar 2026 15:42:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237047-trump-housing-directive-encourages-fha-va-appraisal-alignment</link>
    </item>
    <item>
      <title>USDA to Pilot Delegated Underwriting Authority</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The U.S. Department of Agriculture’s Rural Housing Service will allow some lenders to begin trialing long-awaited delegated underwriting authority.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237045</guid>
      <pubDate>Fri, 27 Mar 2026 15:41:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237045-usda-to-pilot-delegated-underwriting-authority</link>
    </item>
    <item>
      <title>MBA Calls for Flexibility on VA Fee Documentation</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The granular fee documentation requirements VA imposes on lenders are inconsistent with how some services are priced, according to the Mortgage Bankers Association.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237024</guid>
      <pubDate>Fri, 27 Mar 2026 15:40:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237024-mba-calls-for-flexibility-on-va-fee-documentation</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA spread widens; MBA dispels rumor about False Claims Act lawsuits; Ginnie digitizes multifamily claims.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237068</guid>
      <pubDate>Fri, 27 Mar 2026 15:35:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237068-around-the-industry</link>
    </item>
    <item>
      <title>Servicers Seek More Time to Implement VA Partial Claims</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association and Community Home Lenders of America urged the Department of Veterans Affairs to allow for at least 180 days to implement a new partial claim program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236925</guid>
      <pubDate>Fri, 13 Mar 2026 14:07:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236925-industry-calls-for-time-to-implement-va-partial-claims</link>
    </item>
    <item>
      <title>MBA Calls for Changes to FHA Multifamily Loan Limits</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association withheld its support for housing legislation ahead of a vote this week in the Senate, seeking changes to FHA and VA provisions. The Senate passed the bill without further amendments.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236932</guid>
      <pubDate>Fri, 13 Mar 2026 14:06:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236932-housing-bill-advances-with-investor-restrictions</link>
    </item>
    <item>
      <title>Servicers Face Higher Costs Amid Rising Delinquencies</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The costs of servicing nonperforming FHA loans were high enough for Mortgage Center, a Michigan-based credit union service organization, to change its strategy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236927</guid>
      <pubDate>Fri, 13 Mar 2026 14:05:27 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236927-servicers-face-higher-costs-amid-rising-delinquencies</link>
    </item>
    <item>
      <title>Ginnie MBS Withdrawals Hit Three-Year High in 4Q</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Some $87.67 billion of loans were removed from Ginnie Mae mortgage-backed securities during the fourth quarter of 2025, with about 87% of them representing borrower payoffs. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236903</guid>
      <pubDate>Fri, 13 Mar 2026 14:04:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236903-ginnie-removals-hit-3-year-peak-in-4q</link>
    </item>
    <item>
      <title>FHA Borrowers Assuming Pandemic-Era Mortgages</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Some homebuyers are finding relief by assuming FHA mortgages that were originated during the pandemic.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236929</guid>
      <pubDate>Fri, 13 Mar 2026 14:03:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236929-fha-borrowers-assuming-pandemic-mortgages</link>
    </item>
    <item>
      <title>FHA to Allow Early Payments on Trial Loan Mods</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA issued a waiver last week allowing borrowers to make early payments under a trial payment plan.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236910</guid>
      <pubDate>Fri, 13 Mar 2026 14:01:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236910-fha-to-allow-early-tpp-payments</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA resolves most Neighborhood Watch errors; MISMO publishes standard for FHA applications; former FHA commissioner joins VA lender’s advisory board.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236920</guid>
      <pubDate>Fri, 13 Mar 2026 14:00:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236920-around-the-industry</link>
    </item>
  </channel>
</rss>
