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    <title>Inside FHA/VA Lending</title>
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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>Ginnie President Gormley Temporarily Heading FHA</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA Commissioner Frank Cassidy has taken a leave of absence for the foreseeable future.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237169</guid>
      <pubDate>Fri, 10 Apr 2026 15:12:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237169-top-ginnie-official-temporarily-heading-fha</link>
    </item>
    <item>
      <title>FHA Funding Flat in Trump’s 2027 Budget Wishlist</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[President Trump’s proposed budget for fiscal year 2027 would appropriate $160 million for FHA’s administrative expenses, level with the 2026 funding level.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237154</guid>
      <pubDate>Fri, 10 Apr 2026 15:10:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237154-fha-funding-flat-in-trump-budget-wishlist</link>
    </item>
    <item>
      <title>Spike in FHA Delinquencies Largely Tied to Loss-Mit Change</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The addition of the trial payment plan in FHA’s loss-mitigation waterfall appeared to have accounted for most of the recent jump in FHA severe delinquencies, according to research published by CRL.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237171</guid>
      <pubDate>Fri, 10 Apr 2026 15:08:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237171-fha-dq-jump-tied-to-trial-payments</link>
    </item>
    <item>
      <title>Widow Sues HUD, PHH Over Improper HECM Foreclosure</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The surviving spouse of a home equity conversion mortgage borrower sued the Department of Housing and Urban Development and PHH Mortgage over the foreclosure of the home she still occupied.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237158</guid>
      <pubDate>Fri, 10 Apr 2026 15:06:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237158-hud-phh-sued-over-alleged-improper-hecm-foreclosure</link>
    </item>
    <item>
      <title>Senators Aim to Expand Rural Mortgage Lending</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Lawmakers in the Senate introduced a version of a bill to expand mortgage lending by members of the Farm Credit System.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237118</guid>
      <pubDate>Fri, 10 Apr 2026 15:02:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237118-senators-aim-to-expand-rural-mortgage-lending</link>
    </item>
    <item>
      <title>Court Rules Against FCA Attorney Fee Multiplier</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Ninth Circuit ruled this week in favor of Academy Mortgage over a multiplier applied to the attorney’s fees awarded in a False Claims Act settlement involving FHA mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237177</guid>
      <pubDate>Fri, 10 Apr 2026 15:01:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237177-court-rules-against-fca-attorney-fee-multiplier</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA seeks underwriting head; FHEO pulls guidance documents; Pennymac supports House VA disclosure measure; HUD seeks revisions to HOME condo spending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237175</guid>
      <pubDate>Fri, 10 Apr 2026 15:00:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237175-around-the-industry</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>VA Targets June Rollout of Partial Claims</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[VA is aiming to roll out its partial claim program in June. The agency is also open to revising its appraisal standards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237069</guid>
      <pubDate>Fri, 27 Mar 2026 15:48:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237069-va-targets-june-rollout-of-partial-claims</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>Ginnie Servicers Nearing DQ Ceiling Face Elevated Buyouts</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Servicers of government loans in Ginnie Mae mortgage-backed securities will need to ramp up buyout activity as delinquencies in their portfolios increase.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237067</guid>
      <pubDate>Fri, 27 Mar 2026 15:44:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237067-ginnie-servicers-nearing-dq-ceiling-face-elevated-buyouts</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>USDA to Pilot Delegated Underwriting Authority</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The U.S. Department of Agriculture’s Rural Housing Service will allow some lenders to begin trialing long-awaited delegated underwriting authority.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237045</guid>
      <pubDate>Fri, 27 Mar 2026 15:41:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237045-usda-to-pilot-delegated-underwriting-authority</link>
    </item>
    <item>
      <title>MBA Calls for Flexibility on VA Fee Documentation</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The granular fee documentation requirements VA imposes on lenders are inconsistent with how some services are priced, according to the Mortgage Bankers Association.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237024</guid>
      <pubDate>Fri, 27 Mar 2026 15:40:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237024-mba-calls-for-flexibility-on-va-fee-documentation</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA spread widens; MBA dispels rumor about False Claims Act lawsuits; Ginnie digitizes multifamily claims.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237068</guid>
      <pubDate>Fri, 27 Mar 2026 15:35:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237068-around-the-industry</link>
    </item>
    <item>
      <title>Ginnie MBS Issuance Sees Seasonal Plunge in February</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Issuers of Ginnie Mae securities took it easy in February, producing just $38.07 billion of MBS, off 24.6% from the previous month. Purchase mortgage and refi volumes declined at similar paces. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236908</guid>
      <pubDate>Fri, 13 Mar 2026 14:08:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236908-ginnie-issuance-fell-sharply-in-feb</link>
    </item>
    <item>
      <title>Servicers Seek More Time to Implement VA Partial Claims</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association and Community Home Lenders of America urged the Department of Veterans Affairs to allow for at least 180 days to implement a new partial claim program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236925</guid>
      <pubDate>Fri, 13 Mar 2026 14:07:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236925-industry-calls-for-time-to-implement-va-partial-claims</link>
    </item>
    <item>
      <title>MBA Calls for Changes to FHA Multifamily Loan Limits</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association withheld its support for housing legislation ahead of a vote this week in the Senate, seeking changes to FHA and VA provisions. The Senate passed the bill without further amendments.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236932</guid>
      <pubDate>Fri, 13 Mar 2026 14:06:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236932-housing-bill-advances-with-investor-restrictions</link>
    </item>
    <item>
      <title>Servicers Face Higher Costs Amid Rising Delinquencies</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The costs of servicing nonperforming FHA loans were high enough for Mortgage Center, a Michigan-based credit union service organization, to change its strategy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236927</guid>
      <pubDate>Fri, 13 Mar 2026 14:05:27 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236927-servicers-face-higher-costs-amid-rising-delinquencies</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>FHA Borrowers Assuming Pandemic-Era Mortgages</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Some homebuyers are finding relief by assuming FHA mortgages that were originated during the pandemic.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236929</guid>
      <pubDate>Fri, 13 Mar 2026 14:03:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236929-fha-borrowers-assuming-pandemic-mortgages</link>
    </item>
    <item>
      <title>FHA to Allow Early Payments on Trial Loan Mods</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA issued a waiver last week allowing borrowers to make early payments under a trial payment plan.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236910</guid>
      <pubDate>Fri, 13 Mar 2026 14:01:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236910-fha-to-allow-early-tpp-payments</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[FHA resolves most Neighborhood Watch errors; MISMO publishes standard for FHA applications; former FHA commissioner joins VA lender’s advisory board.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236920</guid>
      <pubDate>Fri, 13 Mar 2026 14:00:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236920-around-the-industry</link>
    </item>
    <item>
      <title>FHA, VA Refi Endorsements Soar in Fourth Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[VA refinance activity more than doubled in the fourth quarter and FHA refi volume was up 55%. United Wholesale Mortgage was the top lender in both government loan programs. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236798</guid>
      <pubDate>Fri, 27 Feb 2026 16:36:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236798-government-refi-endorsements-exploded-in-4q</link>
    </item>
    <item>
      <title>Government Program Leaders Discuss Future Initiatives</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Heads of government mortgage programs discussed current and future initiatives last week at the Mortgage Bankers Association’s servicing summit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236779</guid>
      <pubDate>Fri, 27 Feb 2026 16:33:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236779-government-program-leaders-hint-at-future-initiatives</link>
    </item>
    <item>
      <title>Flaws Seen in FHA Sales of Foreclosure Properties</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Enhancing exclusive listing periods of foreclosed properties for owner-occupants might have had an effect on increasing the supply of affordable homes for homebuyers despite caveats, according to the Department of Housing and Urban Development’s Office of Inspector General.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236800</guid>
      <pubDate>Fri, 27 Feb 2026 16:30:56 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236800-fha-guardrails-against-institutional-investors-were-flawed</link>
    </item>
    <item>
      <title>Veterans United Sued Over Illegal Predatory Practices</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[A class-action lawsuit filed against Veterans United alleges that the lender collected fees from external agents in exchange for leads, and misrepresented itself as an affiliate of the VA.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236797</guid>
      <pubDate>Fri, 27 Feb 2026 16:16:57 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236797-veterans-united-sued-over-steering-allegations</link>
    </item>
    <item>
      <title>HUD OIG Warns of Fraud Risks at FHA</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Department of Housing and Urban Development’s Office of the Inspector General identified 64 potential fraud schemes FHA hadn’t accounted for in its single-family risk inventory.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236764</guid>
      <pubDate>Fri, 27 Feb 2026 16:06:02 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236764-hud-oig-warns-of-fraud-risks-at-fha</link>
    </item>
    <item>
      <title>FHA, VA Loans Helping Stretched Borrowers</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Loans backed by FHA and the Department of Veterans Affairs have captured a larger share of the market in recent years, but the affordability crisis could hit government-insured borrowers harder.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236782</guid>
      <pubDate>Fri, 27 Feb 2026 16:03:04 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236782-mixed-outlook-for-government-loans-amid-affordability-crisis</link>
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