https://www.insidemortgagefinance.com/rss en-us ewilley@imfpubs.com Eight of the top 10 Ginnie Mae servicers had bigger portfolios at the end of September than at the midway point in the year. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/238863 Fri, 23 Oct 2026 14:18:56 -0400 https://www.insidemortgagefinance.com/articles/238863-movement-muted-in-ginnie-servicing-in-3q ewilley@imfpubs.com VantageScore 4.0 and FICO 10T will help save FHA money by improving its loan modeling, said Commissioner-nominee Matt Jones. http://www.insidemortgagefinance.com/articles/238876 Fri, 23 Oct 2026 14:16:59 -0400 https://www.insidemortgagefinance.com/articles/238876-fha-expects-alt-credit-scores-to-improve-modeling ewilley@imfpubs.com Former FHA Commissioner Frank Cassidy wishes FHA had been able to prioritize reforms to encourage more originations of small-dollar mortgages while he was running the agency. http://www.insidemortgagefinance.com/articles/238865 Fri, 23 Oct 2026 14:16:57 -0400 https://www.insidemortgagefinance.com/articles/238865-former-fha-head-laments-programs-that-didnt-make-cut ewilley@imfpubs.com More than a third of staff members who left the Department of Housing and Urban Development last year had been with the agency for 20 or more years, according to the Government Accountability Office. http://www.insidemortgagefinance.com/articles/238880 Fri, 23 Oct 2026 14:15:01 -0400 https://www.insidemortgagefinance.com/articles/238880-gao-hud-lost-experienced-staff-in-2025 ewilley@imfpubs.com The Department of Housing and Urban Development will allow build-to-rent developers to apply for FHA mortgage insurance under the multifamily program. http://www.insidemortgagefinance.com/articles/238893 Fri, 23 Oct 2026 14:13:03 -0400 https://www.insidemortgagefinance.com/articles/238893-hud-opens-up-fha-program-to-build-to-rent ewilley@imfpubs.com Village Capital and Investment settled with the Department of Justice over alleged violations of a law retroactively capping service members’ interest rates during service. http://www.insidemortgagefinance.com/articles/238895 Fri, 23 Oct 2026 14:12:07 -0400 https://www.insidemortgagefinance.com/articles/238895-village-capital-settles-va-scra-allegations ewilley@imfpubs.com CBC Mortgage Agency has seen its downpayment assistance program for FHA borrowers increase over the last decade, and expects borrowers will continue to seek assistance. http://www.insidemortgagefinance.com/articles/238734 Fri, 23 Oct 2026 14:11:08 -0400 https://www.insidemortgagefinance.com/articles/238734-chenoa-fund-sees-fha-dpa-growth-amid-affordability-woes ewilley@imfpubs.com Trump orders VA, USDA to lower direct loan rates; VA sees assumptions increase; VA makes progress on property requirement updates; HUD manufactured housing committee to convene. http://www.insidemortgagefinance.com/articles/238896 Fri, 23 Oct 2026 14:10:11 -0400 https://www.insidemortgagefinance.com/articles/238896-around-the-industry ewilley@imfpubs.com Issuance of government-backed loans to Ginnie Mae mortgage-backed securities fell in the third quarter, breaking with the typical seasonal pattern amid higher interest rates. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/238766 Fri, 09 Oct 2026 14:54:10 -0400 https://www.insidemortgagefinance.com/articles/238766-weak-3q-for-ginnie-issuance ewilley@imfpubs.com Sen. Elizabeth Warren, D-MA, ranking member of the Senate Banking Committee, had little to say to FHA Commissioner-nominee Matt Jones aside from a remark that he would have a “tough job” amid the financial conditions borne of the Trump administration’s policies. http://www.insidemortgagefinance.com/articles/238726 Fri, 09 Oct 2026 14:52:11 -0400 https://www.insidemortgagefinance.com/articles/238726-jones-targets-builder-lender-cost-cuts-at-fha ewilley@imfpubs.com FHA announced it was taking the next step in implementing updated appraisal forms the day after Fannie Mae and Freddie Mac announced they’d push back their mandatory implementation date by more than six months. http://www.insidemortgagefinance.com/articles/238769 Fri, 09 Oct 2026 14:51:13 -0400 https://www.insidemortgagefinance.com/articles/238769-fha-holds-course-on-uad-36-as-gses-waver ewilley@imfpubs.com FHA this week published updates to its credit scoring methodology to incorporate the updated FICO 10T model and VantageScore 4.0. http://www.insidemortgagefinance.com/articles/238771 Fri, 09 Oct 2026 14:50:14 -0400 https://www.insidemortgagefinance.com/articles/238771-fha-formalizes-credit-decisioning-updates ewilley@imfpubs.com The lawsuit challenges HUD’s refusal to award funding that Congress set aside for housing counseling nationwide, which is necessary for the origination of home equity conversion mortgages. http://www.insidemortgagefinance.com/articles/238758 Fri, 09 Oct 2026 14:49:18 -0400 https://www.insidemortgagefinance.com/articles/238758-new-york-hecm-counseling-in-limbo ewilley@imfpubs.com Industry trade groups want government mortgage programs to align their reconsideration of value processes with those of the government-sponsored enterprises. http://www.insidemortgagefinance.com/articles/238768 Fri, 09 Oct 2026 14:48:20 -0400 https://www.insidemortgagefinance.com/articles/238768-trade-groups-urge-federal-rov-alignment ewilley@imfpubs.com The U.S. District Court for the Northern District of California issued an administrative stay that will stall the U.S. Department of Agriculture’s intended relocation of some Rural Housing Service staff for at least another week. http://www.insidemortgagefinance.com/articles/238752 Fri, 09 Oct 2026 14:47:21 -0400 https://www.insidemortgagefinance.com/articles/238752-court-delays-rhs-relocation ewilley@imfpubs.com MPF releases new subproduct; HUD requests comment on NSPIRE scoring; HUD releases manufactured home roadmap; Pennymac deploys VS4; FHA rates pass 7%. http://www.insidemortgagefinance.com/articles/238772 Fri, 09 Oct 2026 14:46:23 -0400 https://www.insidemortgagefinance.com/articles/238772-around-the-industry ewilley@imfpubs.com Government lending through brokers declined on a quarterly basis in the second quarter while both retail and correspondent production increased. (Includes data table.) http://www.insidemortgagefinance.com/articles/238626 Fri, 25 Sep 2026 14:55:05 -0400 https://www.insidemortgagefinance.com/articles/238626-broker-channel-loses-govt-market-share-in-2q ewilley@imfpubs.com Some FHA borrowers could see improved credit scores from FHA’s adoption of VantageScore 4.0, but the effect should be relatively small, according to researchers at Goldman Sachs’ credit strategy desk. http://www.insidemortgagefinance.com/articles/238645 Fri, 25 Sep 2026 14:49:06 -0400 https://www.insidemortgagefinance.com/articles/238645-vantagescore-credit-boost-appears-minor ewilley@imfpubs.com Industry groups urged FHA to make the proposed alternative partial claim structure friendlier for smaller lenders and called for communication with Ginnie Mae investors. http://www.insidemortgagefinance.com/articles/238629 Fri, 25 Sep 2026 14:47:07 -0400 https://www.insidemortgagefinance.com/articles/238629-industry-asks-for-clarity-on-rap-pilot ewilley@imfpubs.com Issuance to Ginnie Mae custom extended-term pools spiked twice in the last year, after FHA and VA changed their loss-mitigation policies. Delinquency rates on the pools are also exceptionally high. http://www.insidemortgagefinance.com/articles/238644 Fri, 25 Sep 2026 14:46:09 -0400 https://www.insidemortgagefinance.com/articles/238644-a-year-after-loss-mit-changes-ginnie-et-pools-explode ewilley@imfpubs.com The Community Home Lenders of America is doubling down on its call for a liquidity backstop for Ginnie Mae nonbank servicers. http://www.insidemortgagefinance.com/articles/238593 Fri, 25 Sep 2026 14:45:10 -0400 https://www.insidemortgagefinance.com/articles/238593-chla-urges-support-for-nonbanks-before-crisis-strikes ewilley@imfpubs.com Endorsements of FHA-insured home equity conversion mortgages picked up in the second quarter, but not enough to combat the slide year-over-year. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/238614 Fri, 25 Sep 2026 14:43:13 -0400 https://www.insidemortgagefinance.com/articles/238614-hecm-business-slowed-in-first-half-of-2026 ewilley@imfpubs.com FHA might hand the industry an item on its wish list, according to a proposal that floated adopting the property condition and quality rating scales used by the government-sponsored enterprises. http://www.insidemortgagefinance.com/articles/238643 Fri, 25 Sep 2026 14:42:14 -0400 https://www.insidemortgagefinance.com/articles/238643-fha-proposes-adopting-gse-appraisal-ratings ewilley@imfpubs.com Jones nominated for FHA commissioner; odds low for FHA mortgage insurance premium cut; FHA terminates DE for some lenders; HUD plans HECM sale; fee hike planned for Section 184 program. http://www.insidemortgagefinance.com/articles/238646 Fri, 25 Sep 2026 14:41:18 -0400 https://www.insidemortgagefinance.com/articles/238646-around-the-industry 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