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Insurance costs ‘seriously’ influencing many home purchases

Climate Change, Homeowners insurance, Housing markets, Servicing /

The effect of surging insurance costs over the past few years is raising alarms for many homeowners, with nearly half saying higher premiums are “seriously” influencing new purchase strategy. Processing Content Approximately 49% of homeowners said insurance costs factored in either “very heavily” or “seriously” behind purchase decisions, according to a recent survey from Kin. […]

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FHLBank Chicago increases affordable housing program benefit

FHLBank Chicago increases affordable housing program benefit

Housing affordability, Originations, Servicing, Underwriting /

The Federal Home Loan Bank of Chicago increased the benefits offered through its Community Advance program for 2026, to support affordable housing and local development.  Processing Content The additions include a $55 million total annual interest rate subsidy, allocated on a first-come, first-served basis, and an increase to the per-member outstanding Community Advanced limit from

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MI, title firms positioned well for 2026’s challenges: Fitch

Distressed, Mortgage Rates, PMI, Servicing, Underwriting /

The nation’s private mortgage insurers are adequately capitalized to deal with the housing market’s challenges during 2026, so on balance they have a neutral outlook for next year, Fitch Ratings said. Processing Content “We expect strong borrower credit profiles, relatively stable employment levels, and persistent home price appreciation to help mitigate pressures from ongoing housing-affordability

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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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New insurance law to change Nevada wildfire coverage in 2026

Homeowners insurance, Politics and policy, Servicing, Wildfires /

A new Nevada law set to go into effect will permit insurance providers to exclude wildfire damage in homeowners policies in 2026. Processing Content Legislation passed in the Silver State this spring means insurers receive explicit legal protection if they opt out of wildfire coverage for standard policies issued after Jan. 1. With the change,

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CFPB void shifts focus to other types of servicing rules

Politics and policy, Regulation and compliance, Servicing, Technology /

For those tracking servicing regulation and compliance, Consumer Financial Protection Bureau cutbacks have pushed attention toward agencies like the Federal Housing Administration, whose distressed loan rules are likely to shape servicing priorities in 2026.   Processing Content “There’s really not a lot going on with the CFPB,” said Donna Schmidt, president and CEO of DLS Servicing.

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The most-read mortgage news stories of 2025

Housing markets, Industry News, Originations, Servicing /

As the mortgage industry bounced back to relative normalcy, the industry’s biggest brands and most notable names piqued the interest of National Mortgage News readers. Falling rates and improved affordability shaped the market this year, but the Trump administration captured readers’ attention. Here are the most-read stories from National Mortgage News over the past year.

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400 Capital sues over alleged fee-grab tactic in CMBS loan

Distressed, Mortgage defaults, Securitization, Servicing /

A $130 million loan tied to Midtown Manhattan properties is at the center of a lawsuit that accuses a firm hired to ensure the debt is repaid of self-serving tactics. Processing Content Rialto Capital, tasked with overseeing the loan on behalf of investors, allegedly engineered a way to keep it in default so that the

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