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    <title>Programs &amp; Policies</title>
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    <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>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>Planet Home Sees Lenders Turning to Ginnie PIIT</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Planet Home Lending activated the Ginnie Mae pools issued for immediate transfer program in the third quarter in response to mounting demand from its correspondent lender partners.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236154</guid>
      <pubDate>Fri, 12 Dec 2025 14:38:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236154-planet-sees-ginnie-piit-demand-rise</link>
    </item>
    <item>
      <title>FHA Floats Allowing CWCOT Providers Greater Ties to Servicers</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA proposed loosening restrictions on auction platforms for claims without conveyance of title sales.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236150</guid>
      <pubDate>Fri, 12 Dec 2025 14:37:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236150-fha-floats-allowing-cwcot-providers-greater-ties-to-servicers</link>
    </item>
    <item>
      <title>HECM Lenders Call for Changes to Upfront Premiums</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Industry groups recommended that FHA consider reverting the upfront mortgage insurance premiums on home equity conversion mortgages to the previous risk-based model.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236112</guid>
      <pubDate>Fri, 12 Dec 2025 14:36:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236112-hecm-upfront-premiums-deter-low-risk-borrowers-industry</link>
    </item>
    <item>
      <title>FHA Seeks Relief for Contractors With 203(k) Proposal</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA proposed tweaking its limited 203(k) rehabilitation loan program to reduce financial burdens on contractors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236137</guid>
      <pubDate>Fri, 12 Dec 2025 14:34:41 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236137-fha-seeks-relief-for-contractors-with-203k-proposal</link>
    </item>
    <item>
      <title>USDA Eyes Guaranteed SFH Loan Subsidies</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The U.S. Department of Agriculture’s Rural Housing Service is considering subsidizing a portion of its guaranteed home loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234378</guid>
      <pubDate>Fri, 30 May 2025 12:48:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234378-usda-eyes-guaranteed-sfh-loan-subsidies</link>
    </item>
    <item>
      <title>HUD Nominees Echo Trump Admin on FHA Concerns</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[In response to questions from Senate Democrats, nominees for HUD positions expressed views in line with the Trump administration’s restrictions on FHA loans for non-permanent residents.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234250</guid>
      <pubDate>Fri, 16 May 2025 12:05:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234250-hud-nominees-echo-trump-admin-on-fha-concerns</link>
    </item>
    <item>
      <title>FHA Reverts Biden-Era Foreclosure-Sale Listing Policies</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA has rescinded a pair of policies enacted in 2022 that were meant to give owner-occupants an upper hand in foreclosure sales over institutional investors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234147</guid>
      <pubDate>Fri, 02 May 2025 15:11:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234147-fha-reverts-bidens-foreclosure-sale-listing-policies</link>
    </item>
    <item>
      <title>Senators Propose Raising Multifamily Loan Limit</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Sens. Ruben Gallego, D-AZ, and Dave McCormick, R-PA, this week introduced legislation that would sharply increase FHA multifamily loan limits.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234165</guid>
      <pubDate>Fri, 02 May 2025 15:08:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234165-senators-propose-raising-multifamily-loan-limit</link>
    </item>
    <item>
      <title>FHA Issues Temporary Waiver on Flood Elevation</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The requirements for new construction were established in a final rule issued in April 2024. The temporary waiver was prompted by executive orders from President Trump.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233643</guid>
      <pubDate>Fri, 07 Mar 2025 14:38:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233643-fha-issues-temporary-waiver-on-flood-elevation</link>
    </item>
    <item>
      <title>PHH Loosens Standards for Streamlined FHA, VA Refis</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The correspondent lender has removed certain overlays on streamlined refinance programs at FHA and VA. Newrez, meanwhile, added some overlays.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233663</guid>
      <pubDate>Fri, 07 Mar 2025 14:35:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233663-phh-lossens-standards-for-streamlined-fha-va-refis</link>
    </item>
    <item>
      <title>UI Analysts Call for Updates to FHA, VA Refi Policies</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[According to researchers at the Urban Institute, refi programs at FHA and VA are detrimental to both borrowers and investors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233673</guid>
      <pubDate>Fri, 07 Mar 2025 14:34:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233673-ui-analysts-call-for-updates-to-fha-va-refi-policies</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>Industry Asks VA to Provide More Time for API Mandates</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[VA is considering a rule that would require lenders to use a new application program interface to report loan information and remit funding fees to the agency. It also plans to rewrite rules regarding when VA would assert a defense for a partial or total loss of a guarantee.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233298</guid>
      <pubDate>Fri, 07 Feb 2025 11:54:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233298-industry-asks-va-to-provide-more-time-for-api-mandates</link>
    </item>
    <item>
      <title>HUD Delays Effective Date of HOME Program Revisions</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The changes were set to take effect Feb. 5. Instead, HUD instituted a 90-day delay to review the final rule developed by the Biden administration.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233404</guid>
      <pubDate>Fri, 07 Feb 2025 11:50:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233404-hud-delays-effective-date-of-home-program-revisions</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>FHA Eases Underwriting Process for Rental Income</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Among the changes, FHA has reduced the required rental income history to 12 months from two years.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233261</guid>
      <pubDate>Fri, 24 Jan 2025 13:05:35 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233261-fha-eases-underwriting-process-for-rental-income</link>
    </item>
    <item>
      <title>VA Loan Fee Hike Extended by New Healthcare Law</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[VA origination fees will stay at elevated levels through mid-2034 rather than coming down near the end of 2031. The extension was prompted by a bill that passed Congress with broad bipartisan support.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233279</guid>
      <pubDate>Fri, 24 Jan 2025 13:04:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233279-va-loan-fee-extended-by-new-healthcare-law</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[HUD gets acting secretary; FHA revises qualification requirements for single-family nonprofit program; exemption from hiring freeze excludes VA’s home loans program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233287</guid>
      <pubDate>Fri, 24 Jan 2025 13:03:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233287-around-the-industry</link>
    </item>
    <item>
      <title>FHA Makes Single-Family Loan Sale Program Permanent</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The SFLS program is intended to yield a recovery to the MMIF that meets or exceeds the recovery obtained from a foreclosure-based claim.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233007</guid>
      <pubDate>Fri, 20 Dec 2024 15:09:19 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233007-fha-finalizes-rule-on-sf-loan-sale-program</link>
    </item>
    <item>
      <title>House Passes Bill That Would Extend VA Loan Fee Increases</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The Community Home Lenders of America warned that Congress shouldn’t use federal housing programs to pay for legislation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232854</guid>
      <pubDate>Fri, 06 Dec 2024 12:42:46 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232854-house-passes-bill-that-would-extend-va-loan-fee-increases</link>
    </item>
    <item>
      <title>FHA Plans to Test e-Delivery of Partial Claim Documents </title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The pilot seeks to demonstrate how HUD could reduce the costs associated with delivering and retaining original partial claim documents.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232841</guid>
      <pubDate>Fri, 06 Dec 2024 12:39:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232841-fha-testing-electronic-delivery-of-partial-claim-documents</link>
    </item>
    <item>
      <title>FHA Aims to Shore Up HECM Program</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[FHA and Ginnie Mae officials are working to ensure HECMs are available by implementing various reforms.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232605</guid>
      <pubDate>Fri, 08 Nov 2024 14:14:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232605-fha-aims-to-shore-hecm-program-for-lenders-retirees</link>
    </item>
    <item>
      <title>FHA Drafts Updates for Partial Claim Requirements</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[FHA recently posted a draft mortgagee letter proposing revisions related to how it will handle partial claim document recording and payoff statements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232113</guid>
      <pubDate>Fri, 13 Sep 2024 12:55:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232113-fha-drafts-rules-detailing-partial-payment-requirements</link>
    </item>
    <item>
      <title>Industry Seeks Clarity on FHA Defect Taxonomy on Servicing</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association and the Housing Policy Council have called for specific changes to the proposed updates to FHA’s defect taxonomy for servicing loan reviews.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232091</guid>
      <pubDate>Fri, 13 Sep 2024 12:54:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232091-mba-hpc-ask-fha-to-clarify-defect-servicing-taxonomy</link>
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