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    <title>FHA</title>
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      <![CDATA[Description+goes+here]]>
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    <item>
      <title>Seasonal Slowdown Hits Ginnie Issuance in First Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Ginnie Mae MBS issuance declined 10.7% in the first quarter of 2026 due to a seasonal slowdown in purchase lending. Refinance activity held steady, helped by FHA business. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237173</guid>
      <pubDate>Fri, 10 Apr 2026 15:15:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237173-seasonal-slowdown-for-ginnie-issuance-in-1q</link>
    </item>
    <item>
      <title>Correspondent Share of FHA, VA Lending Increases in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Among a large group of lenders, the correspondent channel accounted for a 38.0% share of government-insured originations in 2025, up from a 34.5% share in 2024. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237064</guid>
      <pubDate>Fri, 27 Mar 2026 15:50:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237064-uwm-drove-govt-broker-channel-boom-in-4q</link>
    </item>
    <item>
      <title>HECM Endorsements Tick Up in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Endorsements of home equity conversion mortgages increased by 3.2% on an annual basis in 2025, even with four consecutive quarterly declines since the fourth quarter of 2024. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237041</guid>
      <pubDate>Fri, 27 Mar 2026 15:45:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237041-hecm-markets-strong-year-slid-in-4q</link>
    </item>
    <item>
      <title>Trump Directive Encourages FHA, VA Appraisal Alignment</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Executive orders from President Trump aiming to address housing supply and affordability include many FHA and VA provisions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237047</guid>
      <pubDate>Fri, 27 Mar 2026 15:42:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237047-trump-housing-directive-encourages-fha-va-appraisal-alignment</link>
    </item>
    <item>
      <title>Ginnie MBS Withdrawals Hit Three-Year High in 4Q</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Some $87.67 billion of loans were removed from Ginnie Mae mortgage-backed securities during the fourth quarter of 2025, with about 87% of them representing borrower payoffs. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236903</guid>
      <pubDate>Fri, 13 Mar 2026 14:04:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236903-ginnie-removals-hit-3-year-peak-in-4q</link>
    </item>
    <item>
      <title>Refis Push Ginnie Issuance Up in November</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[November issuance of Ginnie Mae single-family mortgage-backed securities increased as lower interest rates continued to drive refinance activity. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236136</guid>
      <pubDate>Fri, 12 Dec 2025 14:40:35 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236136-ginnie-november-issuance-kept-riding-refi-wave</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>Ginnie Servicing Balances Up in 3Q, UWM Outshines YoY</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[While most of the top Ginnie Mae servicers reported single-digit portfolio increases in the second quarter, United Wholesale Mortgage’s Ginnie servicing volume increased a whopping 87.8% year over year. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235625</guid>
      <pubDate>Fri, 17 Oct 2025 14:32:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235625-wells-fargos-ginnie-issuance-continues-to-shrink-in-3q</link>
    </item>
    <item>
      <title>Servicers Prepare for FHA Waterfall Changes</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage servicers have been putting in the hours to prepare for FHA’s expedited rollout of its new loss-mitigation waterfall beginning next month.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235395</guid>
      <pubDate>Fri, 19 Sep 2025 14:46:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235395-servicers-prepare-for-fha-waterfall-changes</link>
    </item>
    <item>
      <title>VA Refi Denials Decline in 2024 Amid Surge in Applications</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The denial rate for VA home loan refinances fell sharply between 2023 and 2024, at the same time VA refi applications doubled, according to a new analysis by <em>Inside FHA/VA Lending</em>. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234384</guid>
      <pubDate>Fri, 30 May 2025 12:50:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234384-va-refi-denials-plummeted-in-2024</link>
    </item>
    <item>
      <title>MBA Pushes Regulatory Changes at FHA, VA</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association is seeking rollbacks and revisions of FHA and VA regulations that the trade group sees as burdensome.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234287</guid>
      <pubDate>Fri, 16 May 2025 12:08:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234287-mba-pushes-omb-for-fha-va-deregulation</link>
    </item>
    <item>
      <title>Veterans United Correspondent Sales Weakened in 2024</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Veterans United Home Loans saw a sharp decline in correspondent sales of government-backed loans in 2024, while volume at Guild Mortgage and Rate surged. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234294</guid>
      <pubDate>Fri, 16 May 2025 12:06:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234294-veterans-united-correspondent-sales-weakened-in-2024</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 Archives Hundreds of Defunct MLs</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA has archived nearly 600 mortgagee letters that it determined had expired or been fully superseded by the current FHA handbook or other policies, to help improve the accuracy of web searches.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234292</guid>
      <pubDate>Fri, 16 May 2025 12:03:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234292-fha-archives-hundreds-of-defunct-mls</link>
    </item>
    <item>
      <title>PennyMac Expects FHA Servicing Changes to Spur EBOs</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The recent tightening of FHA loss-mitigation options will likely lead to more early loan buyouts, which PennyMac CEO David Spector sees, at the very least, as a net neutral development for the business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234109</guid>
      <pubDate>Fri, 02 May 2025 15:14:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234109-pennymac-expects-fha-servicing-changes-to-spur-ebos</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>High FHA Delinquency Rates on Track to Stick</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The steep property insurance and tax bills driving the rise in FHA late rates are not likely to come down anytime soon, meaning delinquencies will likely stay up too.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234162</guid>
      <pubDate>Fri, 02 May 2025 15:10:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234162-high-fha-delinquency-rates-on-track-to-stay</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, 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 Servicing Under Pressure; VA Foreclosures Resume</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Delinquencies on FHA mortgages are rising much more quickly than delinquencies on conventional mortgages, though large FHA servicers don’t appear to be too concerned. Meanwhile, VA foreclosures resumed in January after a moratorium ended.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233656</guid>
      <pubDate>Fri, 07 Mar 2025 14:39:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233656-fha-servicing-under-pressure-va-foreclosures-resume</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>Loan Removals From Ginnie MBS Sharply Up in 2024 </title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Some $202.78 billion of loans were removed from Ginnie Mae MBS last year, with about 88% of them representing borrower payoffs. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233541</guid>
      <pubDate>Fri, 21 Feb 2025 13:05:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233541-loan-removals-from-ginnie-mbs-sharply-up-in-2024</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>Around the Industry</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[VA sets return-to-office requirements for employees; Indecomm adds FHA underwriting; RHS interest rates increase; number of downpayment assistance programs grows.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233405</guid>
      <pubDate>Fri, 07 Feb 2025 11:49:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233405-around-the-industry</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>
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