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    <title>Government-Insured Servicing</title>
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    <link>https://www.insidemortgagefinance.com/rss</link>
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    <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>FHA Delinquencies Rise to Pandemic Levels</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The delinquency rate on FHA-insured mortgage loans jumped nearly a percentage point during the fourth quarter of 2025 to surpass the reading at the end of 2020. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236522</guid>
      <pubDate>Fri, 30 Jan 2026 15:30:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236522-fha-delinquencies-rise-to-pandemic-levels</link>
    </item>
    <item>
      <title>Ginnie Removals Up in 3Q; FHA Delinquent Loans Lead</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Borrower payoffs continued to make up the bulk of removals from Ginnie MBS. But the increase in third-quarter volume was led by FHA loan removals for delinquencies and foreclosures. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235763</guid>
      <pubDate>Fri, 31 Oct 2025 15:35:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235763-ginnie-removal-activity-focused-on-servicing-in-3q</link>
    </item>
    <item>
      <title>Ginnie Servicing Balances Up in 3Q, UWM Outshines YoY</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[While most of the top Ginnie Mae servicers reported single-digit portfolio increases in the second quarter, United Wholesale Mortgage’s Ginnie servicing volume increased a whopping 87.8% year over year. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235625</guid>
      <pubDate>Fri, 17 Oct 2025 14:32:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235625-wells-fargos-ginnie-issuance-continues-to-shrink-in-3q</link>
    </item>
    <item>
      <title>FHA Default Rates Increase in 2Q25, VA Performs Better</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The delinquency rate on FHA loans in Ginnie MBS inched up at the end of the second quarter, with the share of seriously delinquent loans declining. The reading on VA loans past-due dropped. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234896</guid>
      <pubDate>Fri, 25 Jul 2025 12:30:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234896-ginnie-fha-lates-tick-higher-in-2q</link>
    </item>
    <item>
      <title>Ginnie Bulk MSR Transfers Fall for Third Consecutive Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Bulk transfers of mortgage servicing rights for loans held in Ginnie Mae mortgage-backed securities have gradually declined after peaking in the second quarter of 2024. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234413</guid>
      <pubDate>Fri, 30 May 2025 12:55:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234413-ginnie-bulk-msr-transfers-fall-for-third-consecutive-quarter</link>
    </item>
    <item>
      <title>Bill to Establish VA Partial Claims Moves Forward</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The House Veterans’ Affairs Committee forwarded a partial claims bill to Congress, but committee members warned that tens of thousands of veteran borrowers are facing foreclosure in the meantime.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234261</guid>
      <pubDate>Fri, 16 May 2025 12:12:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234261-va-partial-claims-bill-advances-while-veterans-face-foreclosure</link>
    </item>
    <item>
      <title>PennyMac Expects FHA Servicing Changes to Spur EBOs</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The recent tightening of FHA loss-mitigation options will likely lead to more early loan buyouts, which PennyMac CEO David Spector sees, at the very least, as a net neutral development for the business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234109</guid>
      <pubDate>Fri, 02 May 2025 15:14:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234109-pennymac-expects-fha-servicing-changes-to-spur-ebos</link>
    </item>
    <item>
      <title>FHA, VA Functioning Despite Dire Warnings</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Sharp staff cuts at FHA, VA and Ginnie Mae could lead to major problems for mortgage lenders and borrowers, according to analysts. But for now it appears to be business as usual for originations and servicing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233640</guid>
      <pubDate>Fri, 07 Mar 2025 14:40:05 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233640-fha-va-functioning-despite-dire-warnings</link>
    </item>
    <item>
      <title>FHA Servicing Under Pressure; VA Foreclosures Resume</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Delinquencies on FHA mortgages are rising much more quickly than delinquencies on conventional mortgages, though large FHA servicers don’t appear to be too concerned. Meanwhile, VA foreclosures resumed in January after a moratorium ended.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233656</guid>
      <pubDate>Fri, 07 Mar 2025 14:39:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233656-fha-servicing-under-pressure-va-foreclosures-resume</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FHA extends foreclosure moratorium tied to LA wildfires; HUD rescinds Affirmatively Furthering Fair Housing rule; CSBS seeks Ginnie servicing reforms; RHS delays servicing changes; Rate offers complimentary, temporary insurance for first responders; bill in Senate would speed mortgage processing at Bureau of Indian Affairs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233664</guid>
      <pubDate>Fri, 07 Mar 2025 14:33:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233664-around-the-industry</link>
    </item>
    <item>
      <title>New HUD Secretary Has His Eyes Set on Affordability</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Senate voted 55-44 to confirm Scott Turner as housing secretary, paving the way for the Trump administration to install new leadership at FHA and Ginnie Mae.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233401</guid>
      <pubDate>Fri, 07 Feb 2025 11:57:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233401-turner-takes-over-at-hud-focus-on-affordability</link>
    </item>
    <item>
      <title>New Admin Looks to Refocus Agencies’ Agenda</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration is expected to put an early focus on reducing regulation and improving efficiency at federal housing agencies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233393</guid>
      <pubDate>Fri, 07 Feb 2025 11:56:25 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233393-new-admin-looks-to-refocus-agencies-agenda</link>
    </item>
    <item>
      <title>Confusion Following Trump’s Attempted Funding Pause</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The pause was ultimately rescinded following court injunctions. In the meantime, participants in government-insured mortgage programs faced uncertainty.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233403</guid>
      <pubDate>Fri, 07 Feb 2025 11:55:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233403-confusion-following-trumps-funding-pause</link>
    </item>
    <item>
      <title>FHA Sets New Loss-Mit Waterfall With Flexibilities</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The new policies were established days before the end of the Biden administration and won’t take effect until February 2026. The policies won praise from industry trade groups.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233276</guid>
      <pubDate>Fri, 24 Jan 2025 13:07:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233276-fha-sets-new-loss-mit-waterfall-with-flexibilities</link>
    </item>
    <item>
      <title>Delinquencies Rise Across Ginnie Servicing in 3Q</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Delinquency rates for FHA and VA mortgages pooled in Ginnie Mae MBS increased across the board in the third quarter, with the total delinquency rate on FHA loans topping 10%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232463</guid>
      <pubDate>Fri, 25 Oct 2024 11:42:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232463-delinquencies-rise-across-ginnie-servicing-in-3q</link>
    </item>
    <item>
      <title>VA Circular Clarifies Loss-Mitigation Guidance Confusion </title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[VA wants servicers to immediately stop offering previously outlined loss-mitigation options from Chapter 5 of its servicers’ handbook.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231863</guid>
      <pubDate>Fri, 16 Aug 2024 14:32:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231863-va-circular-clarifies-loss-mitigation-guidance</link>
    </item>
    <item>
      <title>Transfers of Ginnie Servicing Spike With Bulk MSR Sales</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The increase in sales of Ginnie MSRs was tied to bulk sales by United Wholesale Mortgage. Lakeview/Bayview Loan Servicing was — by far —the top bulk buyer of Ginnie servicing. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231746</guid>
      <pubDate>Fri, 02 Aug 2024 12:41:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231746-transfers-of-ginnie-servicing-spike-with-bulk-msr-sales</link>
    </item>
    <item>
      <title>VA, Servicers Work Through VASP Implementation</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Servicers have until Oct. 1 to implement the new VA Servicing Purchase loss-mitigation program. Meanwhile, the House Committee on Veterans’ Affairs introduced legislation to authorize a VA partial-claim loss-mitigation option.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231450</guid>
      <pubDate>Fri, 05 Jul 2024 14:09:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231450-va-continues-talks-with-servicers-over-vasp</link>
    </item>
    <item>
      <title>CFPB Permanently Bans Former HECM Servicer</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Sutherland and NOVAD formed a servicing operation in 2014 that won a contract to service reverse mortgages for HUD. The companies remained reverse-mortgage servicers until near the end of 2022.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231368</guid>
      <pubDate>Fri, 21 Jun 2024 12:54:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231368-huds-former-hecm-servicer-banned-by-cfpb</link>
    </item>
    <item>
      <title>Ginnie Servicing Grows in 1Q, Led by FHA Loans</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The amount of servicing outstanding in Ginnie MBS increased by 1.6% during the first quarter. Lakeview/Bayview Loan Servicing increased its market share thanks to large purchases of MSRs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230856</guid>
      <pubDate>Fri, 26 Apr 2024 15:12:50 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230856-ginnie-servicing-grows-in-1q-led-by-fha-loans</link>
    </item>
    <item>
      <title>MISMO Plans Dataset for Government Servicing</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[MISMO said officials from FHA, VA, the U.S. Department of Agriculture and Ginnie Mae are part of the working group set up to develop the new dataset.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230314</guid>
      <pubDate>Fri, 01 Mar 2024 13:07:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230314-mismo-seeks-expedited-dataset-for-government-servicing</link>
    </item>
    <item>
      <title>Ginnie Servicing Grows in 4Q, Delinquencies Up</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The amount of Ginnie Mae servicing outstanding increased by 1.9% in the fourth quarter. On an annual basis, servicing volume was up 8.2%. Defaults on loans in Ginnie MBS are also rising, particularly for FHA loans. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229969</guid>
      <pubDate>Fri, 19 Jan 2024 14:59:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229969-ginnie-servicing-grows-in-4q-delinquencies-up</link>
    </item>
    <item>
      <title>Robust Ginnie MSR Sales Gaining Speed in 3Q23</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Lakeview Loan Servicing has been the most active buyer of Ginnie Mae servicing rights since the beginning of 2022, dominating both the bulk and coissuance markets. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229484</guid>
      <pubDate>Fri, 17 Nov 2023 16:18:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229484-robust-ginnie-msr-sales-gaining-speed-in-3q23</link>
    </item>
    <item>
      <title>Ginnie Mae Servicing Market Grows in 3Q; Delinquencies Tad Up</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The Ginnie Mae mortgage servicing market saw a modest growth from the second to the third quarter. Overall, the performance of loans in Ginnie MBS deteriorated but the pace of serious delinquencies declined in both FHA and VA programs. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229225</guid>
      <pubDate>Fri, 20 Oct 2023 15:35:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229225-ginnie-delinquencies-rise-in-3q-servicing-volume-up-slightly</link>
    </item>
    <item>
      <title>Court Rules Against FHA Loan Servicers in Pay-to-Pay Suit</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The court ruled that charging pay-to-pay fees from borrowers who made monthly mortgage payments over the phone violated the Texas Debt Collection Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229078</guid>
      <pubDate>Fri, 06 Oct 2023 14:39:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229078-court-rules-against-fha-loan-servicers-in-tx-pay-to-pay-suit</link>
    </item>
    <item>
      <title>Some Variation in Ginnie Loan Removal Activity</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Loan removals from Ginnie MBS increased in the second quarter of 2023. Removals are largely tied to loan payoffs, though there are some variations among servicers. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228728</guid>
      <pubDate>Fri, 25 Aug 2023 09:15:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228728-some-variation-in-ginnie-loan-removal-activity</link>
    </item>
    <item>
      <title>Ginnie MBS Delinquency Rates Rise in Second Quarter </title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Delinquencies on Ginnie Mae mortgage-backed securities increased during the second quarter of 2023, erasing most of the improvement seen in the previous quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228472</guid>
      <pubDate>Fri, 28 Jul 2023 13:59:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228472-delinquencies-rise-for-ginnie-servicers-in-2q</link>
    </item>
    <item>
      <title>Industry Seeks Changes to FHA Partial Claim Proposal</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The proposed program could be improved by simplifying communications with borrowers and making changes that expand the number of borrowers who can be helped, industry and consumer groups said.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228324</guid>
      <pubDate>Fri, 14 Jul 2023 13:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228324-mba-hpc-seek-changes-to-fha-pspc-proposal</link>
    </item>
    <item>
      <title>FHA Updates Policy on HECM Disbursements</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Lenders have new obligations to the FHA when they default on making home equity conversion mortgage disbursements, according to a policy finalized this week.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228339</guid>
      <pubDate>Fri, 14 Jul 2023 13:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228339-fha-updates-policy-on-hecm-borrower-disbursements</link>
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