FHA Origination

Browse articles from all of our Newsletters related to FHA Origination.

March 21, 2019 - Inside Mortgage Finance

Manual Underwriting for Higher-Risk FHA Loans

To minimize credit risk in FHA’s forward mortgage portfolio, lenders have been ordered to manually underwrite loan applicants with low credit scores and high debt-to-income ratios. [Includes one data chart.]

March 15, 2019 - Inside FHA/VA Lending

FHA Lenders Can Opt for Third-Party Verification

FHA lenders can now outsource verification of a borrower’s employment, income and other assets to third-party vendors. The new guidance, which came into effect on Feb. 15, applies to all FHA forward mortgages and Home Equity Con-version Mortgage loans.

March 15, 2019 - Inside FHA/VA Lending

FHA Jumbo Originations Down in 2018

FHA jumbo lenders ended 2018 on a sour note with total originations during the fourth quarter declining 9.7% on a sequential basis and a whopping 30.9% from a year ago. Purchase loans accounted for 74.3% of the FHA jumbo market last year. [Includes one data chart.]

March 15, 2019 - Inside FHA/VA Lending

FHA Scorecard on High DTI, Low Credit Score Loans

FHA has tweaked its mortgage scorecard to address concerns surrounding loans with higher-risk characteristics such as cash-out refinances and high debt-to-income ratios.

February 22, 2019 - Inside Mortgage Trends

Shutdown Drags Down HECM Production

Origination of FHA-insured reverse mortgages fell more than 30% in December due to the partial government shutdown and an overall slowdown in production volume.

February 15, 2019 - Inside FHA/VA Lending

Weak 4Q Purchase Lending Shrinks FHA/VA Output

Government-backed originations fell significantly in the fourth quarter of 2018 due to a decline in purchase lending even as year-over-year results reflected the uncertainty in last year’s government-backed mortgage market. [Includes three data charts.]


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