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FHA

NAREB president calls for ‘optimistic underwriting’ to expand homeownership

Affordability, Appraisals and Valuations, Black Homeownership, Brokerage, FHA, First-Time Homebuyers, Homeownership, Housing Inventory, HUD, HWmember, Interest rates, Lenders, Mortgage, Mortgage Rates, National Association of Real Estate Brokers, Real Estate /

Ashley Thomas III has assumed the presidency of the National Association of Real Estate Brokers (NAREB) — the nation’s oldest and largest Black real estate organization — with an agenda focused on expanding homeownership access. Thomas, a housing policy and wealth equity strategist with more than 25 years of experience across real estate, lending and […]

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HECM lenders see subdued numbers to start the year

FHA, Home equity loans, LOAN PRODUCTS, Originations, Reverse mortgages /

Early-year data shows a noticeable slowdown in government-backed reverse mortgage endorsement volume, and the rise of proprietary products may be playing a role.  Processing Content Endorsements of Federal Housing Administration-backed Home Equity Conversion Mortgages dropped 20.7% between January and February to 1,821 transactions, according to the latest data from Reverse Market Insight. January’s total had

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HUD reverse mortgage changes remain unclear

FHA, Ginnie Mae, HECM, HMBS, HUD, HWmember, Mortgage, Regulatory Compliance, Reverse, Reverse Mortgage Daily /

Nearly two months after three federal housing agencies wrapped up an extended public comment period about the future of two federal reverse mortgage programs, industry stakeholders are waiting to learn what they’ll do next. In October, the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA) and Ginnie Mae announced a

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CHLA: IMBs drive majority of single-family mortgages in 2025

Community Home Lenders of America, FHA, Ginnie Mae, HWmember, IMBs, Mortgage, Origination, Urban Institute /

The Community Home Lenders of America (CHLA) on Thursday released its 2025 report on independent mortgage banks (IMBs), highlighting these companies as the “dominant” force in mortgage lending as they originated 84.1% of all U.S. single-family mortgages last year. CHLA cited data from the Urban Institute, the Federal Housing Administration (FHA) and Ginnie Mae in

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Potential cuts to FHA premiums weigh on mortgage insurers

FHA, FHA loan, Keefe, Bruyette & Woods, Mortgage, Mortgage insurance /

Shares in publicly traded mortgage insurance companies dropped between 5% to 8% in a single day and are down by 5% to 12% so far this year, according to an investor note published Tuesday by Keefe, Bruyette & Woods (KBW). KBW analysts Bose George and Frankie Labetti explained that the main concern appears to be tied

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NAMB urges FHA to end lifetime mortgage insurance rule

FHA, FHA loan, Government Lending, HWmember, LendingLife, Mortgage, Mortgage insurance, NAMB, Regulatory /

The National Association of Mortgage Brokers (NAMB) is urging the Federal Housing Administration (FHA) to end its “life of loan” mortgage insurance rule and let borrowers cancel premiums once they’ve paid down their loan to 78% of their home’s value. NAMB believes the policy is outdated and unfair. Current rules mean that many FHA borrowers

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HUD tightens rules for FHA appraiser roster

Appraisals, Compliance, FHA, HUD, HWmember, Mortgage, Regulatory Compliance, Reverse, Valuation /

The Department of Housing and Urban Development (HUD) issued new guidance that clarifies how appraisers are added to, maintained on and removed from the FHA Appraiser Roster. Mortgagee Letter 2025-24 — effective immediately — updates FHA policy to make appraiser eligibility easier to track and more consistent with federal and state licensing records. Changes apply

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FHA records stable capital ratios amid softer performance

FHA, Politics and policy, Servicing, Underwriting /

The Federal Housing Administration’s mortgage insurance fund capital ratios were largely stable this past federal fiscal year, its annual report, delayed by the government shutdown, showed. Processing Content The overall ratio for the Mutual Mortgage Insurance Fund matched the previous fiscal year’s 11.47%, far above its required statutory 2% minimum. The capital ratio for the

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Innovations in reverse mortgage lending will drive growth in 2026

FHA, HECM, HWmember, Longbridge Financial, NRMLA, Reverse, Reverse Market Insight, Reverse Mortgage Daily /

The reverse mortgage market is expected to see growth in 2026 as lenders and originators adapt to evolving interest rate conditions and innovate to reach more borrowers. John Lunde, founder and president of Reverse Market Insight, said that 2025 marked a shift in focus for many originators, as they recognized that mortgage rates might not

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Senate confirms key leaders at Ginnie Mae, FHA

FHA, Ginnie Mae, Politics and policy, Secondary markets /

Senate confirmations have officially filled key leadership posts at Department of Housing and Urban Development entities, ending formal vacancies that have taken most of the year to fill. Processing Content Ginnie Mae President Joe Gormley and Federal Housing Administration Commissioner Frank Cassidy are industry veterans that have been serving in acting roles for much of

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