https://www.insidemortgagefinance.com/rss en-us ewilley@imfpubs.com Issuance of government-backed loans to Ginnie Mae mortgage-backed securities fell in the third quarter, breaking with the typical seasonal pattern amid higher interest rates. (Includes four data tables.) http://www.insidemortgagefinance.com/articles/238766 Fri, 09 Oct 2026 14:54:10 -0400 https://www.insidemortgagefinance.com/articles/238766-weak-3q-for-ginnie-issuance ewilley@imfpubs.com Sen. Elizabeth Warren, D-MA, ranking member of the Senate Banking Committee, had little to say to FHA Commissioner-nominee Matt Jones aside from a remark that he would have a “tough job” amid the financial conditions borne of the Trump administration’s policies. http://www.insidemortgagefinance.com/articles/238726 Fri, 09 Oct 2026 14:52:11 -0400 https://www.insidemortgagefinance.com/articles/238726-jones-targets-builder-lender-cost-cuts-at-fha ewilley@imfpubs.com FHA announced it was taking the next step in implementing updated appraisal forms the day after Fannie Mae and Freddie Mac announced they’d push back their mandatory implementation date by more than six months. http://www.insidemortgagefinance.com/articles/238769 Fri, 09 Oct 2026 14:51:13 -0400 https://www.insidemortgagefinance.com/articles/238769-fha-holds-course-on-uad-36-as-gses-waver ewilley@imfpubs.com FHA this week published updates to its credit scoring methodology to incorporate the updated FICO 10T model and VantageScore 4.0. http://www.insidemortgagefinance.com/articles/238771 Fri, 09 Oct 2026 14:50:14 -0400 https://www.insidemortgagefinance.com/articles/238771-fha-formalizes-credit-decisioning-updates ewilley@imfpubs.com The lawsuit challenges HUD’s refusal to award funding that Congress set aside for housing counseling nationwide, which is necessary for the origination of home equity conversion mortgages. http://www.insidemortgagefinance.com/articles/238758 Fri, 09 Oct 2026 14:49:18 -0400 https://www.insidemortgagefinance.com/articles/238758-new-york-hecm-counseling-in-limbo ewilley@imfpubs.com Industry trade groups want government mortgage programs to align their reconsideration of value processes with those of the government-sponsored enterprises. http://www.insidemortgagefinance.com/articles/238768 Fri, 09 Oct 2026 14:48:20 -0400 https://www.insidemortgagefinance.com/articles/238768-trade-groups-urge-federal-rov-alignment ewilley@imfpubs.com The U.S. District Court for the Northern District of California issued an administrative stay that will stall the U.S. Department of Agriculture’s intended relocation of some Rural Housing Service staff for at least another week. http://www.insidemortgagefinance.com/articles/238752 Fri, 09 Oct 2026 14:47:21 -0400 https://www.insidemortgagefinance.com/articles/238752-court-delays-rhs-relocation ewilley@imfpubs.com MPF releases new subproduct; HUD requests comment on NSPIRE scoring; HUD releases manufactured home roadmap; Pennymac deploys VS4; FHA rates pass 7%. http://www.insidemortgagefinance.com/articles/238772 Fri, 09 Oct 2026 14:46:23 -0400 https://www.insidemortgagefinance.com/articles/238772-around-the-industry ewilley@imfpubs.com Government lending through brokers declined on a quarterly basis in the second quarter while both retail and correspondent production increased. (Includes data table.) http://www.insidemortgagefinance.com/articles/238626 Fri, 25 Sep 2026 14:55:05 -0400 https://www.insidemortgagefinance.com/articles/238626-broker-channel-loses-govt-market-share-in-2q ewilley@imfpubs.com Some FHA borrowers could see improved credit scores from FHA’s adoption of VantageScore 4.0, but the effect should be relatively small, according to researchers at Goldman Sachs’ credit strategy desk. http://www.insidemortgagefinance.com/articles/238645 Fri, 25 Sep 2026 14:49:06 -0400 https://www.insidemortgagefinance.com/articles/238645-vantagescore-credit-boost-appears-minor ewilley@imfpubs.com Industry groups urged FHA to make the proposed alternative partial claim structure friendlier for smaller lenders and called for communication with Ginnie Mae investors. http://www.insidemortgagefinance.com/articles/238629 Fri, 25 Sep 2026 14:47:07 -0400 https://www.insidemortgagefinance.com/articles/238629-industry-asks-for-clarity-on-rap-pilot ewilley@imfpubs.com Issuance to Ginnie Mae custom extended-term pools spiked twice in the last year, after FHA and VA changed their loss-mitigation policies. Delinquency rates on the pools are also exceptionally high. http://www.insidemortgagefinance.com/articles/238644 Fri, 25 Sep 2026 14:46:09 -0400 https://www.insidemortgagefinance.com/articles/238644-a-year-after-loss-mit-changes-ginnie-et-pools-explode ewilley@imfpubs.com The Community Home Lenders of America is doubling down on its call for a liquidity backstop for Ginnie Mae nonbank servicers. http://www.insidemortgagefinance.com/articles/238593 Fri, 25 Sep 2026 14:45:10 -0400 https://www.insidemortgagefinance.com/articles/238593-chla-urges-support-for-nonbanks-before-crisis-strikes ewilley@imfpubs.com Endorsements of FHA-insured home equity conversion mortgages picked up in the second quarter, but not enough to combat the slide year-over-year. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/238614 Fri, 25 Sep 2026 14:43:13 -0400 https://www.insidemortgagefinance.com/articles/238614-hecm-business-slowed-in-first-half-of-2026 ewilley@imfpubs.com FHA might hand the industry an item on its wish list, according to a proposal that floated adopting the property condition and quality rating scales used by the government-sponsored enterprises. http://www.insidemortgagefinance.com/articles/238643 Fri, 25 Sep 2026 14:42:14 -0400 https://www.insidemortgagefinance.com/articles/238643-fha-proposes-adopting-gse-appraisal-ratings ewilley@imfpubs.com Jones nominated for FHA commissioner; odds low for FHA mortgage insurance premium cut; FHA terminates DE for some lenders; HUD plans HECM sale; fee hike planned for Section 184 program. http://www.insidemortgagefinance.com/articles/238646 Fri, 25 Sep 2026 14:41:18 -0400 https://www.insidemortgagefinance.com/articles/238646-around-the-industry ewilley@imfpubs.com Refinance volume included in Ginnie Mae mortgage-backed securities slipped for the fourth consecutive month in August as interest rates climbed higher. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238516 Fri, 11 Sep 2026 12:12:42 -0400 https://www.insidemortgagefinance.com/articles/238516-ginnie-refi-slide-continues-in-august ewilley@imfpubs.com FHA plans to begin accepting loans underwritten using the new scoring model on a wide scale, rather than via a limited rollout. http://www.insidemortgagefinance.com/articles/238517 Fri, 11 Sep 2026 12:10:43 -0400 https://www.insidemortgagefinance.com/articles/238517-fha-to-accept-vantagescore-fico-10t-in-2027 ewilley@imfpubs.com The Department of Housing and Urban Development quickly withdrew a cost-benefit document, which outlined reorganization plans. http://www.insidemortgagefinance.com/articles/238513 Fri, 11 Sep 2026 12:08:45 -0400 https://www.insidemortgagefinance.com/articles/238513-hud-withdraws-reorg-plans ewilley@imfpubs.com Industry groups urged FHA to flesh out and update the disclosures for VA mortgages that will be added to FHA mortgage applications as a result of Congress’ new housing law. http://www.insidemortgagefinance.com/articles/238498 Fri, 11 Sep 2026 12:06:47 -0400 https://www.insidemortgagefinance.com/articles/238498-trade-groups-voice-concerns-over-va-disclosures ewilley@imfpubs.com Many large FHA lenders were consistently more lenient or stringent in their acceptance of applications over an eight-year period studied in a pair of new working papers. http://www.insidemortgagefinance.com/articles/238494 Fri, 11 Sep 2026 12:05:51 -0400 https://www.insidemortgagefinance.com/articles/238494-fha-lender-denial-rates-consistent-over-time ewilley@imfpubs.com Fannie Mae will update its automated underwriting system so it can accept lender-provided interest rates for FHA ARMs. http://www.insidemortgagefinance.com/articles/238518 Fri, 11 Sep 2026 12:03:55 -0400 https://www.insidemortgagefinance.com/articles/238518-desktop-underwriter-to-accept-arm-rates-from-lenders ewilley@imfpubs.com If borrowers of VA loans only paid refinance fees in cash or by rolling the fees into the interest rate, it would more accurately reflect the annual percentage rate of the new mortgage, thus reducing refis where the benefit is razor-thin, according to the Urban Institute. http://www.insidemortgagefinance.com/articles/238480 Fri, 11 Sep 2026 12:01:56 -0400 https://www.insidemortgagefinance.com/articles/238480-urban-suggests-rate-roll-in-can-reduce-va-prepays ewilley@imfpubs.com FHA Connection to institute ID check; USDA Farm Service Agency modernizes loan delivery; FHA application share increases. http://www.insidemortgagefinance.com/articles/238519 Fri, 11 Sep 2026 12:00:59 -0400 https://www.insidemortgagefinance.com/articles/238519-around-the-industry ewilley@imfpubs.com Refinances of loans insured by the Department of Veterans Affairs declined in the second quarter, according to an Inside FHA/VA Lending analysis and ranking of endorsement data. (Includes three data tables.) Inside FHA/VA Lending analysis and ranking of endorsement data. (Includes three data tables.)]]> http://www.insidemortgagefinance.com/articles/238364 Fri, 28 Aug 2026 16:00:28 -0400 https://www.insidemortgagefinance.com/articles/238364-va-refis-slid-in-2q ewilley@imfpubs.com Sources say chatter of a potential reduction to FHA’s mortgage insurance premium has been circulating around Washington, DC. http://www.insidemortgagefinance.com/articles/238400 Fri, 28 Aug 2026 15:50:29 -0400 https://www.insidemortgagefinance.com/articles/238400-rate-cute-rumors-reverberate-in-washington ewilley@imfpubs.com Ginnie Mae is using its internal framework to evaluate potential use cases for AI, to avoid feeding data into a public model, according to its president, Joe Gormley. http://www.insidemortgagefinance.com/articles/238399 Fri, 28 Aug 2026 15:47:30 -0400 https://www.insidemortgagefinance.com/articles/238399-ginnie-cautiously-exploring-ai-use-cases ewilley@imfpubs.com The Mortgage Bankers Association fired back in defense of the FHA program and nonbank participants after an opinion piece in the Wall Street Journal suggested nonbanks engaged in risky underwriting under the government guarantee. http://www.insidemortgagefinance.com/articles/238404 Fri, 28 Aug 2026 15:46:31 -0400 https://www.insidemortgagefinance.com/articles/238404-mba-defends-fha-program-nonbanks ewilley@imfpubs.com Ginnie Mae’s latest Global Markets Analysis Report spotlighted programs that provide financing for FHA Title I and II loans for manufactured and modular homes. http://www.insidemortgagefinance.com/articles/238403 Fri, 28 Aug 2026 15:45:33 -0400 https://www.insidemortgagefinance.com/articles/238403-ginnie-highlights-secondary-market-for-fha-manufactured-loans ewilley@imfpubs.com The Department of Veterans Affairs improperly credited an automated appraisal management service it contracted with for work that was done by government employees, according to the Government Accountability Office. http://www.insidemortgagefinance.com/articles/238397 Fri, 28 Aug 2026 15:43:34 -0400 https://www.insidemortgagefinance.com/articles/238397-gao-decides-va-credited-contactor-for-govt-work