https://www.insidemortgagefinance.com/rss en-us ewilley@imfpubs.com Executive orders from President Trump aiming to address housing supply and affordability include many FHA and VA provisions. http://www.insidemortgagefinance.com/articles/237047 Fri, 27 Mar 2026 15:42:34 -0400 https://www.insidemortgagefinance.com/articles/237047-trump-housing-directive-encourages-fha-va-appraisal-alignment ewilley@imfpubs.com Two new bills in the House aim to modernize FHA multifamily loan limits by more than quadrupling the current caps. http://www.insidemortgagefinance.com/articles/236153 Fri, 12 Dec 2025 14:31:44 -0500 https://www.insidemortgagefinance.com/articles/236153-house-lawmakers-pick-up-effort-to-raise-multifamily-loan-limits ewilley@imfpubs.com The Mortgage Bankers Association is seeking rollbacks and revisions of FHA and VA regulations that the trade group sees as burdensome. http://www.insidemortgagefinance.com/articles/234287 Fri, 16 May 2025 12:08:05 -0400 https://www.insidemortgagefinance.com/articles/234287-mba-pushes-omb-for-fha-va-deregulation bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/233643 Fri, 07 Mar 2025 14:38:08 -0500 https://www.insidemortgagefinance.com/articles/233643-fha-issues-temporary-waiver-on-flood-elevation bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/233664 Fri, 07 Mar 2025 14:33:14 -0500 https://www.insidemortgagefinance.com/articles/233664-around-the-industry jdohnert@imfpubs.com The Trump administration is expected to put an early focus on reducing regulation and improving efficiency at federal housing agencies. http://www.insidemortgagefinance.com/articles/233393 Fri, 07 Feb 2025 11:56:25 -0500 https://www.insidemortgagefinance.com/articles/233393-new-admin-looks-to-refocus-agencies-agenda bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/233404 Fri, 07 Feb 2025 11:50:34 -0500 https://www.insidemortgagefinance.com/articles/233404-hud-delays-effective-date-of-home-program-revisions nbhatia@imfpubs.com The fees in question related to mortgage payments made over the phone or online. HUD said accepting and processing mortgage payments is part of a servicer’s ordinary activities for which it is already paid. http://www.insidemortgagefinance.com/articles/233275 Fri, 24 Jan 2025 13:06:34 -0500 https://www.insidemortgagefinance.com/articles/233275-hud-settles-with-phh-mortgage-over-junk-fees bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/233279 Fri, 24 Jan 2025 13:04:37 -0500 https://www.insidemortgagefinance.com/articles/233279-va-loan-fee-extended-by-new-healthcare-law mhogan@imfpubs.com The case revolved around a property in Brooklyn, NY, with a reverse mortgage dating back to February 2007 and whose owner died in February 2013. The borrower’s estate challenged the foreclosure, arguing that it was past the statute of limitations. http://www.insidemortgagefinance.com/articles/231820 Fri, 16 Aug 2024 14:30:44 -0400 https://www.insidemortgagefinance.com/articles/231820-covid-foreclosure-moratorium-applied-to-fha-reverse-mortgages mhogan@imfpubs.com Texas judge allows “tortious interference with property rights” claim to proceed against Ginnie Mae, but dismisses arbitrary and capricious claim and promissory estoppel charges. http://www.insidemortgagefinance.com/articles/230706 Fri, 12 Apr 2024 16:24:00 -0400 https://www.insidemortgagefinance.com/articles/230706-part-of-texas-capital-lawsuit-against-ginnie-can-proceed mhogan@imfpubs.com Congressional lawmakers next week are expected to take up legislation meant to finalize fiscal 2024 funding bills before the latest continuing resolutions lapse. http://www.insidemortgagefinance.com/articles/230361 Fri, 01 Mar 2024 13:08:31 -0500 https://www.insidemortgagefinance.com/articles/230361-lawmakers-under-the-gun-to-fund-government mhogan@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/229078 Fri, 06 Oct 2023 14:39:56 -0400 https://www.insidemortgagefinance.com/articles/229078-court-rules-against-fha-loan-servicers-in-tx-pay-to-pay-suit mhogan@imfpubs.com Flagstar Bank met FHA’s face-to-face requirement when it left a door hanger at the home of a borrower prior to foreclosing on the property, a state Supreme Court ruled. http://www.insidemortgagefinance.com/articles/228200 Fri, 30 Jun 2023 13:23:00 -0400 https://www.insidemortgagefinance.com/articles/228200-ri-supreme-court-says-door-hanger-meets-fha-face-to-face-rules mhogan@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/227706 Fri, 05 May 2023 15:59:02 -0400 https://www.insidemortgagefinance.com/articles/227706-fha-should-align-adu-financing-with-gses-mba-says mhogan@imfpubs.com The Community Home Lenders of America asked leaders of the congressional appropriations committees to fully fund FHA’s and Ginnie Mae’s fiscal 2024 budget requests for salaries and administrative expenses. http://www.insidemortgagefinance.com/articles/227714 Fri, 05 May 2023 15:43:06 -0400 https://www.insidemortgagefinance.com/articles/227714-chla-calls-for-funding-commitments-for-fha-ginnie mhogan@imfpubs.com HUD’s proposed certification requirement for housing counselors in its tribal programs has come under criticism for its impact on cost and capacity. http://www.insidemortgagefinance.com/articles/227410 Fri, 07 Apr 2023 12:29:01 -0400 https://www.insidemortgagefinance.com/articles/227410-resources-needed-for-hud-tribal-counselors-commenters-say mhogan@imfpubs.com The Department of Housing and Urban Development took actions against 65 FHA lenders last year for various program violations. http://www.insidemortgagefinance.com/articles/227339 Fri, 24 Mar 2023 11:55:55 -0400 https://www.insidemortgagefinance.com/articles/227339-hud-reports-on-fy22-actions-against-fha-lenders dhollier@imfpubs.com By targeting price cuts at low-FICO score and high-LTV borrowers, the new pricing grids of Fannie Mae and Freddie Mac could increase market overlap with FHA. http://www.insidemortgagefinance.com/articles/226847 Fri, 27 Jan 2023 11:27:26 -0500 https://www.insidemortgagefinance.com/articles/226847-gse-pricing-changes-may-impact-fha-lending smanas@imfpubs.com The VA is adding a step to its appraisal bias detection procedures. Meanwhile, the National Association of Realtors told the agency not to rush its appraisal modernization efforts. http://www.insidemortgagefinance.com/articles/226844 Fri, 27 Jan 2023 11:23:31 -0500 https://www.insidemortgagefinance.com/articles/226844-va-enhances-appraisal-bias-detection smanas@imfpubs.com Proposed updates to rules governing VA interest rate reduction refinance loans drew asks from VA lenders and trade groups around loosening eligibility requirements for borrowers to maintain access to the product. (Includes data chart.) http://www.insidemortgagefinance.com/articles/226723 Fri, 13 Jan 2023 14:49:40 -0500 https://www.insidemortgagefinance.com/articles/226723-lenders-request-more-seasoning-eligibility-flexibility-for-irrrls dhollier@imfpubs.com A last-minute budget deal resulted in funding increases for many HUD housing-related programs. http://www.insidemortgagefinance.com/articles/226717 Fri, 13 Jan 2023 14:47:42 -0500 https://www.insidemortgagefinance.com/articles/226717-spending-bill-boosts-housing-related-funding-for-2023 bivey@imfpubs.com Outlook for Wells’ participation in FHA market unclear; Biden signs legislation to improve VA appraisals; MBA calls for higher fee on mortgage assumptions; VA revises forms; FHA hosting webinar on quality assurance; Rural Housing Service updates program guidelines. http://www.insidemortgagefinance.com/articles/226725 Fri, 13 Jan 2023 14:44:45 -0500 https://www.insidemortgagefinance.com/articles/226725-around-the-industry mhogan@imfpubs.com Nonbank issuers participating in Ginnie Mae MBS now have until the end of 2024 to comply with new risk-based capital requirements. http://www.insidemortgagefinance.com/articles/226082 Fri, 28 Oct 2022 14:28:55 -0400 https://www.insidemortgagefinance.com/articles/226082-ginnie-grants-issuers-1-year-reprieve-on-risk-based-capital-requirements mhogan@imfpubs.com Industry analysts continue to assess Ginnie Mae’s new nonbank issuer eligibility requirements and what impact they might have on the mortgage market. http://www.insidemortgagefinance.com/articles/225942 Fri, 14 Oct 2022 14:37:41 -0400 https://www.insidemortgagefinance.com/articles/225942-issuer-capital-liquidity-remain-under-scrutiny mhogan@imfpubs.com The guidance is aimed at helping issuers understand how the new risk-based capital ratio requirements apply to mortgage servicing rights, among other issues. http://www.insidemortgagefinance.com/articles/225810 Fri, 30 Sep 2022 14:06:08 -0400 https://www.insidemortgagefinance.com/articles/225810-ginnie-faqs-address-issuer-feedback-on-eligibility-requirements mhogan@imfpubs.com The new standards are a result of a collaboration between Ginnie and the Federal Housing Finance Agency to align rules for their counterparties. Most of the new standards take effect Sept. 30, 2023. http://www.insidemortgagefinance.com/articles/225452 Fri, 19 Aug 2022 13:56:45 -0400 https://www.insidemortgagefinance.com/articles/225452-ginnie-updates-minimum-issuer-eligibility-requirements mhogan@imfpubs.com The House Committee on Veterans Affairs has marked up 18 bills to support veterans, among them one would improve the appraisal process under the VA home loan program. http://www.insidemortgagefinance.com/articles/225212 Fri, 22 Jul 2022 15:02:51 -0400 https://www.insidemortgagefinance.com/articles/225212-house-va-committee-marks-up-benefits-bills mhogan@imfpubs.com American Financial Network has agreed to pay roughly $1 million to settle allegations it fraudulently originated FHA loans. http://www.insidemortgagefinance.com/articles/225062 Fri, 08 Jul 2022 14:03:10 -0400 https://www.insidemortgagefinance.com/articles/225062-hud-va-help-doj-investigate-1m-loan-fraud-allegations mhogan@imfpubs.com A recently introduced bill, the Improving Access to the VA Home Loan Act, would direct VA to update regulations on home appraisals. http://www.insidemortgagefinance.com/articles/224730 Fri, 27 May 2022 13:48:29 -0400 https://www.insidemortgagefinance.com/articles/224730-legislators-consider-va-home-loan-updates