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    <title>Affordable Housing</title>
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      <![CDATA[Description+goes+here]]>
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    <item>
      <title>Survey Finds Lock-In Effect Thawing, Slowly</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The housing market is starting to see a decline in mortgage lock-in but it will take a while to reach a new equilibrium.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237331</guid>
      <pubDate>Thu, 30 Apr 2026 12:02:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237331-lock-in-effect-thawing-slowly</link>
    </item>
    <item>
      <title>Lenders Challenged as Potential Homebuyers May Prefer Renting</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[With interest rates elevated, lenders are urged to highlight the wealth creation potential of homeownership to encourage renters to take the plunge and purchase a home.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237277</guid>
      <pubDate>Thu, 23 Apr 2026 12:02:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237277-lenders-challenged-as-homebuyers-may-be-better-off-renting</link>
    </item>
    <item>
      <title>Private Home Listings May Impact Appraisal Valuations</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Real estate professionals argue that private listings can be a net negative for homebuyers and sellers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237207</guid>
      <pubDate>Thu, 16 Apr 2026 11:23:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237207-private-listings-may-impact-home-valuations</link>
    </item>
    <item>
      <title>Uncertainty Clouds Spring Homebuying Outlook</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Pent-up buyer demand may help overcome some interest rate challenges and economic uncertainties this spring.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237148</guid>
      <pubDate>Thu, 09 Apr 2026 11:54:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237148-uncertainty-clouds-spring-homebuying-outlook</link>
    </item>
    <item>
      <title>Borrowers Turning to ARMs for Affordability Options</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Lenders expect ARM originations to continue to rise even as interest rates have begun to decline.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236832</guid>
      <pubDate>Thu, 05 Mar 2026 12:04:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236832-arm-originations-grow-as-borrowers-eye-affordability-options</link>
    </item>
    <item>
      <title>Lenders Taking Multipronged Approach to Encourage Affordability</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[David Neylan, president and chief operating officer at Guild Mortgage, said there is no quick fix to make homebuying more affordable.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236694</guid>
      <pubDate>Thu, 19 Feb 2026 11:51:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236694-lenders-taking-multipronged-approach-to-solve-affordability-issues</link>
    </item>
    <item>
      <title>Lenders Expected to Retain More Servicing After Recent Sell Off</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Lenders are examining opportunities to retain more servicing this year as originations are expected to stay steady.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236643</guid>
      <pubDate>Thu, 12 Feb 2026 11:38:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236643-lenders-expected-to-retain-more-servicing-after-recent-sell-off</link>
    </item>
    <item>
      <title>Servicers Raise Alarms as Delinquencies Rise</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Unemployment and inflation are leading to an increase in delinquencies and foreclosures.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236637</guid>
      <pubDate>Thu, 12 Feb 2026 11:37:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236637-servicers-raise-alarms-on-growing-delinquencies</link>
    </item>
    <item>
      <title>GSEs Seen as Poorly Positioned to Help With Affordability</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Former Freddie CEO believes most prospective remedies to the affordability crisis will benefit only borrowers who don’t need the help.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236656</guid>
      <pubDate>Thu, 12 Feb 2026 11:34:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236656-are-gses-an-efficient-tool-to-address-affordability</link>
    </item>
    <item>
      <title>GSE Privatization Unlikely During Election Year</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Pete Mills, a senior vice president at MBA, believes housing affordability initiatives are more likely to come from executive orders this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236578</guid>
      <pubDate>Thu, 05 Feb 2026 11:57:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236578-gse-privatization-unlikely-during-election-year</link>
    </item>
    <item>
      <title>Trump’s Housing Affordability Conundrum</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The president wants to address housing affordability but also wants home prices to remain high because it has made a lot of people wealthy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236574</guid>
      <pubDate>Thu, 05 Feb 2026 11:52:41 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236574-trumps-housing-affordability-conundrum</link>
    </item>
    <item>
      <title>Political Parties Differ on Cause of Housing Affordability Issues</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[House Republicans blamed regulations and immigration, while Democrats believe President Trump’s effort to ban institutional investors from buying single-family homes didn’t go far enough.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236506</guid>
      <pubDate>Thu, 29 Jan 2026 11:42:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236506-experts-pitch-congress-on-reforms-to-boost-housing-affordability</link>
    </item>
    <item>
      <title>Trump Against Plan to Use 401(k) for Downpayments</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[President Trump has opposed a plan from his economic advisor to waive penalties on 401(k) withdrawals used for a downpayment.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236508</guid>
      <pubDate>Thu, 29 Jan 2026 11:39:57 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236508-trump-puts-the-breaks-on-plan-to-use-401k-for-downpayments</link>
    </item>
    <item>
      <title>GSE MBS Purchases Could Provide Only Temporary Boost</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[President Trump’s directive to lower interest rates helped spur a tightening in mortgage spreads, but economists are skeptical of the long-term impact of the move involving GSE purchases of MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236439</guid>
      <pubDate>Thu, 22 Jan 2026 11:55:31 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236439-major-long-term-rate-reduction-unlikely-after-gse-mbs-purchases</link>
    </item>
    <item>
      <title>Trump Signs EO Targeting Wall Street-Backed Landlords</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The executive order seeks to limit institutional investors from purchasing single-family homes, but some market participants believe it would do little to boost housing affordability nationally.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236450</guid>
      <pubDate>Thu, 22 Jan 2026 11:52:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236450-trump-signs-executive-order-targeting-institutional-investors</link>
    </item>
    <item>
      <title>A Slowdown in Home Price Appreciation Presents a Buyer’s Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Housing experts expect the market to undergo a course correction after years of rapid home price increases.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236311</guid>
      <pubDate>Thu, 08 Jan 2026 12:18:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236311-home-price-correction-drives-buyers-market-in-2026</link>
    </item>
    <item>
      <title>Homebuilders Push Incentives Amid Affordability Challenges</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homebuilders used price reductions and buydowns to drive sales and pull buyers off the sidelines in 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236249</guid>
      <pubDate>Fri, 02 Jan 2026 09:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236249-homebuilders-push-incentives-amid-affordability-challenges</link>
    </item>
    <item>
      <title>Home Insurance Cost Increases Slow in 2025</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Home insurance premiums are rising at a slower pace, but affordability challenges still remain an issue for homebuyers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236248</guid>
      <pubDate>Fri, 02 Jan 2026 09:02:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236248-home-insurance-cost-increases-slow-in-2025</link>
    </item>
    <item>
      <title>Affordability Constrained Even as HPA Slows, Rates Decline</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Housing affordability has improved due to slowing home price appreciation and growing inventory but it is still lagging historical levels.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236123</guid>
      <pubDate>Thu, 11 Dec 2025 12:04:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236123-affordability-constrained-even-as-hpa-slows-wages-rise</link>
    </item>
    <item>
      <title>Stakeholders Seek More Details in FHFA’s Strategic Plan</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lenders urged the regulator to spell out the GSEs’ conservatorship-era obligations that could apply even if Fannie and Freddie are released.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235874</guid>
      <pubDate>Thu, 13 Nov 2025 12:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235874-stakeholders-seek-more-details-in-fhfas-strategic-plan</link>
    </item>
    <item>
      <title>More Innovation Needed to Solve Affordability Issues</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Cross-industry coordination will be key to increasing housing affordability, according to industry participants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235621</guid>
      <pubDate>Thu, 16 Oct 2025 12:04:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235621-more-innovation-needed-to-solve-housing-affordability-crisis</link>
    </item>
    <item>
      <title>Climate, DEI May No Longer Qualify for CDFI Funding</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The new requirements, and the shutdown, are expected to further delay the release of CDFI Fund awards that have already been approved.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235491</guid>
      <pubDate>Thu, 09 Oct 2025 12:02:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235491-treasury-calls-for-new-funding-requirements-for-cdfis</link>
    </item>
    <item>
      <title>Congress to Work on Housing Legislation This Month</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Housing legislation with strong bipartisan support could move forward in the Senate as soon as this month.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235475</guid>
      <pubDate>Thu, 02 Oct 2025 11:47:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235475-congress-set-to-work-on-housing-legislation-in-october</link>
    </item>
    <item>
      <title>ICBA Raises Concerns About Credit Union Acquisitions of Banks</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Larger credit unions are increasingly acquiring community banks and reducing mortgage lending in local communities, according to the Independent Community Bankers of America.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235432</guid>
      <pubDate>Thu, 25 Sep 2025 12:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235432-rising-denial-rates-linked-to-credit-union-acquisitions-of-community-banks</link>
    </item>
    <item>
      <title>Democrats in House See Bipartisan Support on Housing Issues</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Democrats in the House offered 14 housing-related bills, many with bipartisan support.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235368</guid>
      <pubDate>Thu, 18 Sep 2025 12:09:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235368-new-democrat-coalition-finds-bipartisan-support-on-housing-issues</link>
    </item>
    <item>
      <title>Downpayment Assistance Availability Hits a Record</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Still, experts believe more can be done to educate borrowers on availability of downpayment programs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235234</guid>
      <pubDate>Thu, 04 Sep 2025 12:27:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235234-lenders-get-creativity-to-help-borrowers-reach-downpayments</link>
    </item>
    <item>
      <title>Mortgage Interest Rates Look Unlikely to Budge in Short Term</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae economists slightly increased their mortgage rate projections for the remainder of the year despite widespread expectations that the Federal Reserve will cut the federal funds rate in September.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235137</guid>
      <pubDate>Thu, 21 Aug 2025 11:58:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235137-mortgage-interest-rates-look-unlikely-to-budge</link>
    </item>
    <item>
      <title>Insurance, Property Taxes Driving Rise in Delinquencies</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Industry executives believe artificial intelligence can improve risk management and help reduce insurance premiums and property taxes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235066</guid>
      <pubDate>Thu, 14 Aug 2025 11:55:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235066-insurance-property-taxes-driving-affordability-challenges</link>
    </item>
    <item>
      <title>Crapo, Warner Urge Trump Admin to Release CDFI Program Funds</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Some $324 million in congressionally appropriated funding for the CDFI Fund has yet to be released by the Trump administration.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235004</guid>
      <pubDate>Thu, 07 Aug 2025 12:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235004-bipartisan-group-of-senators-urge-omb-to-release-cdfi-program-funds</link>
    </item>
    <item>
      <title>Housing Legislation With Strong Support Moves in Senate</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association and other groups supported the wide-ranging bill which is aimed at housing affordability. MBA, though, raised some concerns about appraisal reforms included in the package.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234924</guid>
      <pubDate>Thu, 31 Jul 2025 12:08:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234924-housing-legislation-with-strong-support-moves-in-senate</link>
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