Description+goes+here https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com Analysts worry that FHFA’s aggressive policy moves on credit scores are more about saving consumers money than the safety and soundness of the mortgage system. http://www.insidemortgagefinance.com/articles/238690 Fri, 02 Oct 2026 13:35:17 -0400 https://www.insidemortgagefinance.com/articles/238690-more-credit-score-concerns dhollier@imfpubs.com The FHFA noted that its OIG budget was nine times larger than the average across federal agencies. Critics say the cuts are intended to protect FHFA Director Bill Pulte and President Trump. http://www.insidemortgagefinance.com/articles/238702 Fri, 02 Oct 2026 13:33:19 -0400 https://www.insidemortgagefinance.com/articles/238702-pulte-slashes-oig-budget dhollier@imfpubs.com Fannie Mae and Freddie Mac will allow lenders to continue submitting UAD 2.6 appraisal reports through May 19, 2027. http://www.insidemortgagefinance.com/articles/238711 Fri, 02 Oct 2026 13:31:22 -0400 https://www.insidemortgagefinance.com/articles/238711-fhfa-postpones-deadline-on-uad-36 dhollier@imfpubs.com Although tensions between the FHFA and its OIG are high, the IG team continues to crank out examinations and audits, including four released this week. http://www.insidemortgagefinance.com/articles/238708 Fri, 02 Oct 2026 13:30:24 -0400 https://www.insidemortgagefinance.com/articles/238708-oig-finds-weaknesses-in-fhfas-network-security dhollier@imfpubs.com The agency confirmed that its policy related to disputed appraisals complies with 21st ROAD to Housing Act requirements. http://www.insidemortgagefinance.com/articles/238692 Fri, 02 Oct 2026 13:29:27 -0400 https://www.insidemortgagefinance.com/articles/238692-fhfa-reinforces-gse-policy-on-reconsiderations-of-value dhollier@imfpubs.com A new study by UI housing researchers shows that VantageScore 4.0 and FICO 10T significantly outperform Classic FICO. 10T also outperforms VS4, but by a much smaller margin. http://www.insidemortgagefinance.com/articles/238573 Thu, 24 Sep 2026 11:56:21 -0400 https://www.insidemortgagefinance.com/articles/238573-what-about-fico-10t dhollier@imfpubs.com Even though FHFA Director Bill Pulte spent much of last year floating the idea of LLPA reform as a way to lower the cost of a mortgage, the new LLPA grids for VantageScore 4.0 were not accompanied by a reduction in fees for Classic FICO loans. http://www.insidemortgagefinance.com/articles/238567 Fri, 18 Sep 2026 13:56:26 -0400 https://www.insidemortgagefinance.com/articles/238567-pricing-grids-vs-llpa-reform dhollier@imfpubs.com Industry stakeholders say credit score changes are positive, but still face operational and market challenges. http://www.insidemortgagefinance.com/articles/238556 Fri, 18 Sep 2026 13:55:28 -0400 https://www.insidemortgagefinance.com/articles/238556-some-confusion-about-credit-score-changes dhollier@imfpubs.com The FHFA director claims private mortgage insurers are excessively profitable and should return some of that money to consumers. http://www.insidemortgagefinance.com/articles/238580 Fri, 18 Sep 2026 13:54:29 -0400 https://www.insidemortgagefinance.com/articles/238580-pmis-find-themselves-in-pultes-crosshairs dhollier@imfpubs.com New research suggests that as much as a third of the difference in a loan’s VantageScore 4.0 score and its FICO 10T score is unrelated to the credit-scoring model. http://www.insidemortgagefinance.com/articles/238578 Fri, 18 Sep 2026 13:52:39 -0400 https://www.insidemortgagefinance.com/articles/238578-credit-scores-depend-on-more-than-the-model dhollier@imfpubs.com The ranking member of the Senate Committee on Banking, Housing and Urban Affairs pressed FHFA Director Bill Pulte and HUD Secretary Scott Turner to describe their plans to enforce new restrictions on home purchases by Wall Street and private equity firms. http://www.insidemortgagefinance.com/articles/238581 Fri, 18 Sep 2026 13:51:40 -0400 https://www.insidemortgagefinance.com/articles/238581-warren-calls-on-fhfa-to-stop-single-family-purchases-by-wall-street dhollier@imfpubs.com More fired Fannie executives identified; Fairholm funds redux; FHFA executive resurfaces at MBA. http://www.insidemortgagefinance.com/articles/238582 Fri, 18 Sep 2026 13:50:43 -0400 https://www.insidemortgagefinance.com/articles/238582-gse-roundup dhollier@imfpubs.com Frustrated with FICO and the big three credit reporting bureaus, the FHFA director abruptly ushered in the era of two competing credit scores. http://www.insidemortgagefinance.com/articles/238457 Fri, 04 Sep 2026 16:47:28 -0400 https://www.insidemortgagefinance.com/articles/238457-pulte-opens-vantagescore-to-all-lenders dhollier@imfpubs.com Jon Oksenholt’s plan would create a parent company that would own the GSEs and Common Securitization Services but allow them to keep their charters and operate independently. http://www.insidemortgagefinance.com/articles/238440 Fri, 04 Sep 2026 16:45:42 -0400 https://www.insidemortgagefinance.com/articles/238440-another-proposal-for-ending-the-conservatorships dhollier@imfpubs.com Fannie reshuffled the rental income section of its seller guide in response to lender complaints that the guidance was too complex. http://www.insidemortgagefinance.com/articles/238454 Fri, 04 Sep 2026 16:45:10 -0400 https://www.insidemortgagefinance.com/articles/238454-gse-guide-updates-impact-rental-income-and-verification-of-employment dhollier@imfpubs.com With the mandate for UAD 3.6 fast approaching, there’s been a dramatic expansion in the number of appraisal software providers. http://www.insidemortgagefinance.com/articles/238423 Fri, 04 Sep 2026 16:17:54 -0400 https://www.insidemortgagefinance.com/articles/238423-gses-update-status-of-uad-36-ucd-v20 dhollier@imfpubs.com The Congressional Research Service reminds stakeholders of the complications involved in reprivatizing Fannie Mae and Freddie Mac. http://www.insidemortgagefinance.com/articles/238449 Fri, 04 Sep 2026 16:16:00 -0400 https://www.insidemortgagefinance.com/articles/238449-crs-reviews-challenges-of-gses-exit dhollier@imfpubs.com Terminating the use of SPCPs continues the Trump administration’s war on DEI. http://www.insidemortgagefinance.com/articles/238455 Fri, 04 Sep 2026 16:15:01 -0400 https://www.insidemortgagefinance.com/articles/238455-last-nail-in-the-coffin-for-spcps dhollier@imfpubs.com New PMIERs guidelines help determine required asset levels for MIs, but industry officials say they already have more than required. http://www.insidemortgagefinance.com/articles/238380 Thu, 27 Aug 2026 11:50:04 -0400 https://www.insidemortgagefinance.com/articles/238380-pmis-say-theyre-ready-for-vantagescore-40 dhollier@imfpubs.com Seven of the top 10 GSE sellers saw a monthly decline in deliveries to Fannie Mae and Freddie Mac in July. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238340 Fri, 21 Aug 2026 15:55:44 -0400 https://www.insidemortgagefinance.com/articles/238340-refi-slump-persists dhollier@imfpubs.com FHFA’s plan to remove the term reputational harm from the suspended counterparty program regulation appears to have near universal support from mortgage industry stakeholders. http://www.insidemortgagefinance.com/articles/238332 Fri, 21 Aug 2026 15:53:45 -0400 https://www.insidemortgagefinance.com/articles/238332-little-response-to-weakening-of-scp-rule dhollier@imfpubs.com Industry stakeholders welcomed the idea of reducing the regulatory burden faced by the FHLBanks, but they also want insurance that the system will continue to serve their interests. http://www.insidemortgagefinance.com/articles/238317 Fri, 21 Aug 2026 15:52:47 -0400 https://www.insidemortgagefinance.com/articles/238317-fhlbanks-may-find-it-easier-to-add-new-business-activities dhollier@imfpubs.com This month saw the end of limited reviews and baseline accounting for condo projects. Reserve requirements jump to 15% in January. http://www.insidemortgagefinance.com/articles/238336 Fri, 21 Aug 2026 15:51:49 -0400 https://www.insidemortgagefinance.com/articles/238336-implementation-of-new-condo-rules-begins dhollier@imfpubs.com Many questions about the transition to UAD 3.6 revolve around whether loans originated using UAD 2.6 can still be submitted via the Uniform Collateral Data Portal. http://www.insidemortgagefinance.com/articles/238350 Fri, 21 Aug 2026 15:50:51 -0400 https://www.insidemortgagefinance.com/articles/238350-gses-address-industry-questions-about-uad-36 dhollier@imfpubs.com Investor challenges estimates by Pershing Square’s Bill Ackman, arguing Freddie Mac is now more valuable that Fannie Mae. http://www.insidemortgagefinance.com/articles/238342 Fri, 21 Aug 2026 15:49:55 -0400 https://www.insidemortgagefinance.com/articles/238342-is-freddie-mac-undervalued dhollier@imfpubs.com Freddie’s new system for the near-real-time reporting of default events doesn’t become mandatory until September 2027, but servicers may begin reporting as early as November 2026. http://www.insidemortgagefinance.com/articles/238347 Fri, 21 Aug 2026 15:48:57 -0400 https://www.insidemortgagefinance.com/articles/238347-freddie-preps-servicers-for-default-reporting-modernization dhollier@imfpubs.com In a hypothetical scenario in many ways worse than the great financial crisis, combined net income at Fannie Mae and Freddie Mac remained positive. http://www.insidemortgagefinance.com/articles/238311 Fri, 21 Aug 2026 15:47:59 -0400 https://www.insidemortgagefinance.com/articles/238311-gses-ace-2026-stress-tests dhollier@imfpubs.com Industry trade groups are pushing for optimized investment tools, community bankers are warning against systemic risk and housing advocates believe the proposal will allow the GSEs to abandon the nation’s neediest populations. http://www.insidemortgagefinance.com/articles/238202 Fri, 07 Aug 2026 14:56:00 -0400 https://www.insidemortgagefinance.com/articles/238202-housing-sector-split-on-duty-to-serve-proposal dhollier@imfpubs.com More than 100 lenders have sought approval to participate in the GSEs’ pilot program for VantageScore 4.0. MBS investors are also seeking measures to prevent gaming, increase data transparency and ensure the GSEs can accept applications with more than one score. http://www.insidemortgagefinance.com/articles/238206 Fri, 07 Aug 2026 14:55:01 -0400 https://www.insidemortgagefinance.com/articles/238206-primary-secondary-markets-split-on-credit-score-framework dhollier@imfpubs.com Although the new condo rules have been criticized for being too stringent, GSE executives say many “expansions” have been added to the rules to make them more palatable. http://www.insidemortgagefinance.com/articles/238191 Fri, 07 Aug 2026 14:54:02 -0400 https://www.insidemortgagefinance.com/articles/238191-gses-explain-nuances-of-condo-project-eligibility-rules