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Inside FHA/VA Lending

January 24, 2025

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VA Outstandings Reach $1 Trillion, Ginnie Delinquencies Rise

Ginnie servicing portfolios expanded modestly in the fourth quarter as VA outstandings broke through the $1 trillion level. Delinquencies continued to rise to levels not seen since the pandemic. (Includes four data tables.) Read More

HUD Nominee Plans to Review Programs, Maximize Budget

Housing Secretary nominee Scott Turner offered few specifics during his confirmation hearing last week. But he outlined plans to review agency programs and maximize their budgets. Read More

Trump Appears Unlikely to Reduce FHA Premiums

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. Read More

FHA Sets New Loss-Mit Waterfall With Flexibilities

The new policies were established days before the end of the Biden administration and won’t take effect until February 2026. The policies won praise from industry trade groups. Read More

HUD Settles With PHH Mortgage Over ‘Junk Fees’

The fees in question related to mortgage payments made over the phone or online. HUD said accepting and processing mortgage payments is part of a servicer’s ordinary activities for which it is already paid. Read More

FHA Eases Underwriting Process for Rental Income

Among the changes, FHA has reduced the required rental income history to 12 months from two years. Read More

VA Loan Fee Hike Extended by New Healthcare Law

VA origination fees will stay at elevated levels through mid-2034 rather than coming down near the end of 2031. The extension was prompted by a bill that passed Congress with broad bipartisan support. Read More

Around the Industry

HUD gets acting secretary; FHA revises qualification requirements for single-family nonprofit program; exemption from hiring freeze excludes VA’s home loans program. Read More

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