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    <title>FHA</title>
    <description>
      <![CDATA[]]>
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    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <item>
      <title>HECM Lending Slips in Second Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Endorsements of FHA home equity conversion mortgages fell overall in the second quarter of 2025, although purchase HECMs saw double-digit gains. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235392</guid>
      <pubDate>Fri, 19 Sep 2025 14:45:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235392-hecm-lending-slipped-in-2q</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![CDATA[FHA has rescinded a pair of policies enacted in 2022 that were meant to give owner-occupants an upper hand in foreclosure sales over institutional investors.]]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>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 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>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>With Turner as Chief, It’s No Longer Business as Usual at HUD</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The FHA wasn’t spared from the Trump administration’s workforce reduction plan. Some industry observers fear the layoffs will slow underwriting times and delay closings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233540</guid>
      <pubDate>Fri, 21 Feb 2025 13:06:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233540-with-turner-as-chief-its-no-longer-business-as-usual-at-hud</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>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>HUD Nominee Plans to Review Programs, Maximize Budget</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Housing Secretary nominee Scott Turner offered few specifics during his confirmation hearing last week. But he outlined plans to review agency programs and maximize their budgets.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233257</guid>
      <pubDate>Fri, 24 Jan 2025 13:09:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233257-turner-to-review-hud-programs-maximize-budget</link>
    </item>
    <item>
      <title>Trump Appears Unlikely to Reduce FHA Premiums</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[With a new federal administration in charge, the MBA renewed its calls for reductions to FHA premiums. However, the Trump administration is unlikely to cut premiums.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233274</guid>
      <pubDate>Fri, 24 Jan 2025 13:08:44 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233274-trump-admin-appears-unlikely-to-reduce-fha-premiums</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>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>Better Launches Streamlined FHA Refinance Product</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Better Mortgage launched the product as part of an effort by the lender to expand its government-insured mortgage originations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232112</guid>
      <pubDate>Fri, 13 Sep 2024 12:56:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232112-better-expands-fha-outreach-with-streamline-refi-product</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>
    </item>
    <item>
      <title>FHA Considering Extending Deadline to Apply for 203(h) Loans </title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Under current rules, borrowers must apply for a 203(h) mortgage within one year of the President’s declaration of the disaster.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231855</guid>
      <pubDate>Fri, 16 Aug 2024 14:33:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231855-fha-waives-deadline-for-203h-loans-in-maui</link>
    </item>
    <item>
      <title>HECM Lending Continues to Slide in Fourth Quarter</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[For the full year, $14.78 billion in home equity conversion mortgages were originated in 2023, down 50.2% from 2022. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230598</guid>
      <pubDate>Fri, 29 Mar 2024 12:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230598-hecm-lending-continues-to-slide-in-4q23</link>
    </item>
    <item>
      <title>MBA Weighs In on FHA Permanent Loss Mitigation Policy</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association this month asked FHA to consider using its single-family drafting table to seek comments from the industry before it finalizes guidance on its new payment supplement loss mitigation program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230571</guid>
      <pubDate>Fri, 29 Mar 2024 12:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230571-mba-offers-tip-on-fha-permanent-loss-mitigation-policy</link>
    </item>
    <item>
      <title>FHA Outlines Changes to Branch Office Requirements</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The new rules come a month after FHA released a final rule eliminating the requirement that mortgage lenders register all branch offices where they conduct FHA business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230572</guid>
      <pubDate>Fri, 29 Mar 2024 12:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230572-fha-outlines-changes-to-branch-office-registration-requirements</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>Tozer Calls for Congress to Update DPA Rules</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Allowing lenders to provide downpayment assistance on FHA loans would extend homeownership to underserved borrowers who have a difficult time amassing even a 3.5% downpayment, the former Ginnie Mae president said.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228325</guid>
      <pubDate>Fri, 14 Jul 2023 13:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228325-tozer-calls-for-fha-congress-to-update-dpa-rules</link>
    </item>
    <item>
      <title>FCA Whistleblowers Must Show Proof of Harm</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Whistleblowers bringing False Claims Act complaints against FHA lenders must provide material evidence of harm, an appeals court ruled.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228327</guid>
      <pubDate>Fri, 14 Jul 2023 13:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228327-court-rules-relators-must-show-proof-in-fha-fca-complaints</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>
    </item>
    <item>
      <title>FHA to Require Loan Originators to Use SCIFs</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The Department of Housing and Urban Development will require lenders to use a Supplemental Consumer Information Form for all FHA Title II single-family home mortgages they originate beginning in August.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228209</guid>
      <pubDate>Fri, 30 Jun 2023 13:28:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228209-fha-to-require-loan-originators-to-use-scifs</link>
    </item>
    <item>
      <title>UI Offers Two Alternatives to FHA Loss-Mitigation Proposal</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Under FHA’s proposal, participating servicers would receive $1,000 in compensation, but the Urban Institute said that personnel costs would often be higher than that.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228239</guid>
      <pubDate>Fri, 30 Jun 2023 13:25:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228239-ui-proposes-two-fixes-to-fha-loss-mitigation-draft</link>
    </item>
    <item>
      <title>FHA Finalizes New HECM Assignment Timeline</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Under the modified policy, FHA decreased the minimum loan balance threshold at which a mortgagee can submit the assignment request for a home equity conversion mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227870</guid>
      <pubDate>Fri, 19 May 2023 14:22:27 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227870-fha-eases-hecm-mortgage-assignment-timeline</link>
    </item>
    <item>
      <title>FHA Hears From Lenders on Proposed Flood Risk Rule</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Remarks included concerns regarding the costs of complying with FHA’s proposed revision to minimum property standards for flood hazard exposure.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227732</guid>
      <pubDate>Fri, 05 May 2023 16:00:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227732-fha-seeks-input-on-planned-flood-risk-regulations</link>
    </item>
    <item>
      <title>MBA Calls on FHA to Align Rehab Policies With GSEs</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The success of the Section 203(k) program depends on reforms that would make it more accessible for borrowers and operationally feasible for lenders, according to the Mortgage Bankers Association.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227706</guid>
      <pubDate>Fri, 05 May 2023 15:59:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227706-fha-should-align-adu-financing-with-gses-mba-says</link>
    </item>
    <item>
      <title>Industry Welcomes FHA’s HECM Plan, But Wants More </title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association wants FHA to extend to all lenders certain documentation waivers recently made available to Reverse Mortgage Funding transferees.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227711</guid>
      <pubDate>Fri, 05 May 2023 15:36:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227711-tweaks-sought-on-fha-hecm-assignment-policy</link>
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