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Inside FHA/VA Lending

September 30, 2022

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Brokers Gain Market Share in Government-Insured Lending

FHA/VA originations decreased in the second quarter though lending was up in the broker channel. PennyMac, the top government loan originator, saw declines across all three production channels. (Includes data chart.) Read More

Cash-Out Deals Take Over FHA Refi Market in 2022

New FHA loan applications and endorsements have been declining steadily since hitting peaks in late 2020, and cash-out refinances make up a growing share of the market. Read More

Gordon Seeks to Improve FHA’s Interactions with Lenders

Speaking at a Housing Finance Strategies event this week, FHA Commissioner Julia Gordon said she wants to improve the way the agency interacts with lenders and servicers. Read More

Ginnie FAQs Address Issuer Feedback on Eligibility Requirements

The guidance is aimed at helping issuers understand how the new risk-based capital ratio requirements apply to mortgage servicing rights, among other issues. Read More

FHA Adds Rental History to Underwriting of First-Time Homebuyers

Verified on-time monthly payments of $300 or more in the previous 12 months will be considered as positive rental payment history. Read More

Fixes Proposed for FHA Title I Manufactured Housing Program

Industry stakeholders are calling for regulatory and legislative changes to support the FHA Title I manufactured housing program. Read More

House Committee Clears Bill Expanding Benefits for National Guards

The bill amends a law passed two years ago that allowed more National Guard members and reservists to access the VA home loan program. Read More

Industry Seeks Increased Funding for Rural Housing

At a congressional hearing, industry stakeholders called for increased funding to boost technology and staffing at rural housing programs. Read More

Treasury Nudges Native Tribes to Apply for HAF

To date, Treasury has approved HAF plans from 176 tribes. Read More

Around the Industry

Ginnie details buyout authority for loans impacted by hurricanes; HUD seeks comments on inflation-adjusted civil penalty policy; VA extends recission date for COVID-related relief; CFPB issues RFI on refis; VA submits loss-mit rule to OMB; Senate approves stopgap spending bill. Read More

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