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| Mar 27, 2026 | Are reverse mortgages “expensive”… or just misunderstood? | Getting your Trinity Audio player ready...
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| Jan 9, 2026 | The New Landscape of Florida Home Mortgages: December 2025 No 2 | Share
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The Florida housing market experienced major changes during the last month of 2025. The federal government has established new interest rate policies which the state capital has used to create major tax changes... |
| Dec 15, 2025 | What to say to a mortgage lender when applying to refinance | Getting your Trinity Audio player ready...
When interest rates fall, you may want to refinance your mortgage. But can you explain what you hope to get out of refinancing? Related Articles
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| Jul 25, 2024 | Navigating the Waters of Reverse Mortgages: The Rise of HMBS 2.0 and Legal Battles Ahead**
** | ** The reverse mortgage industry is on the brink of transformation. The introduction of HMBS 2.0 by Ginnie Mae is a beacon of hope for stakeholders. This new product promises to reshape the landscape, enhancing liquidity and investor confid... |
| Jul 19, 2024 |
Analyst: HMBS 2.0 developments should benefit reverse mortgage industry | Late last month, Ginnie Mae released a term sheet for one of the most anticipated new developments for the reverse mortgage industry — a new Home Equity Conversion Mortgage (HECM)-backed Securities (HMBS) product referred to as “HMBS 2.0.”
... |
| Jul 18, 2024 |
Five federal agencies finalize new guidance for ROVs | A coalition of five federal agencies — the Consumer Financial Protection Bureau (CFPB), the Federal Deposit Insurance Corp. (FDIC), the Federal Reserve Board, the National Credit Union Administration (NCUA) and the Office of the Comptroller... |
| Jul 18, 2024 |
Mortgage applications to purchase new homes fall 16% in June | Mortgage applications to purchase new homes fell 16% month over month in June but rose 0.7% year over year, according to a report released Thursday by the Mortgage Bankers Association (MBA).
The data, derived from the trade group’s survey o... |
| Jul 17, 2024 |
Refi business picks up as mortgage rates fall | Mortgage applications increased 3.9% on a seasonally adjusted basis during the week ending July 12, due mainly to borrowers taking advantage of a decline in rates to refinance their home loans, according to data released Wednesday by the Mo... |
| Jul 17, 2024 |
‘Real Estate Insiders’ role play buyer and seller objections | A newly released episode of the Real Estate Insiders Unfiltered Podcast explores the future state of buyer and seller relationships in the housing market after the National Association of Realtors‘ (NAR) business practice changes take effec... |
| Jul 17, 2024 |
HUD proposes permanent program for sale of seriously delinquent mortgages | The U.S. Department of Housing and Urban Development (HUD) on Wednesday proposed a new rule that would implement a permanent program to sell seriously delinquent single-family mortgages insured by the Federal Housing Administration (FHA).
T... |
| Jul 9, 2024 |
Hallelujah! HUD finally updates, expands 203(k) program | The U.S. Department of Housing and Urban Development (HUD) on Tuesday announced that it has published updated policies for its 203(k) Rehabilitation Mortgage Insurance Program, in an effort to “modernize the program and enhance its usefulne... |
| Jul 5, 2024 |
MBA sees risk in new Florida law that gives first-lien priority to PACE loans | The Mortgage Bankers Association (MBA) this week detailed its reasons for opposing a bill in the state of Florida designed “to expand projects eligible for residential Property Assessed Clean Energy (PACE) financing,” which was recently sig... |
| Jul 3, 2024 |
HUD translates 19 mortgage documents into five languages to broaden accessibility | The U.S. Department of Housing and Urban Development (HUD) on Wednesday announced that it has released five new language translations for 19 separate single-family mortgage documents used for Federal Housing Administration (FHA)-insured mor... |
| Jul 1, 2024 |
Texas Capital Bank seeks a partial win in Ginnie Mae suit | Texas Capital Bank (TCB) is seeking a new partial summary judgment in its suit against Ginnie Mae. The suit alleges that the government-owned company “extinguished, in return for no consideration, TCB’s first priority lien on tens of millio... |
| Jun 29, 2024 | Some homebuyers are beating high interest rates with 1980s-era assumable mortgages | Deb Jerikovsky poses for a picture with her grandchildren Emersyn Alain, 10, and Cameron Alain, 7, at her new home in Coon Rapids. (Renée Jones Schneider/Minneapolis Star Tribune/TNS)
The deal saved her about $700 a month compared with toda... |
| Jun 27, 2024 |
Ginnie Mae releases anticipated ‘HMBS 2.0’ term sheet | Ginnie Mae on Thursday released a new term sheet for its proposed Home Equity Conversion Mortgage (HECM)-backed Securities (HMBS) offering, which is an additional program that the company and reverse mortgage industry alike have referred to... |
| Jun 26, 2024 |
Reverse mortgage advocates talk product misconceptions and advancements: Morningstar | Reverse mortgage products have a lot of potential utility for older American homeowners, but many consumers remain skeptical of their usefulness due to lingering reputational problems and institutional aversions, despite becoming more regul... |
| Jun 21, 2024 |
HUD offers new disaster relief in Hawaii following Biden executive order | The U.S. Department of Housing and Urban Development (HUD) on Friday announced a new round of disaster relief in the state of Hawaii that is targeted for the island of Kauai following severe storms, flooding and landslides that took place t... |
| Jun 18, 2024 |
MBA to HUD: Publish notices about challenges with real estate inspection protocols | The Mortgage Bankers Association (MBA) on Tuesday announced its submission of a letter to the U.S. Department of Housing and Urban Development (HUD), which urges the department to avoid reprimanding mortgage servicers for compliance lapses ... |
| Jun 18, 2024 |
Gen X has regrets about retirement savings, study suggests | Members of Generation X are more concerned about their post-retirement ability to support the lifestyles they’ve grown accustomed to when compared with other generations — including baby boomers and millennials — according to the results of... |
| Jun 18, 2024 |
FHA seeks mortgage defect taxonomy changes for cases of TPO fraud, misrepresentation | The Federal Housing Administration (FHA) this week announced a proposed Mortgagee Letter (ML) that would add fraud and misrepresentation to its defect taxonomy list for Title II FHA-sponsored mortgage financing.
The defect taxonomy includes... |
| Jun 14, 2024 |
New records from Ginnie Mae, HUD filed in TCB case | Attorneys for the federal government have issued an extensive new filing in the ongoing litigation between Texas Capital Bank (TCB) and Ginnie Mae, including a raft of correspondence that took place immediately prior to the seizure of the R... |
| Jun 13, 2024 |
New homes remain in demand as mortgage applications rise in May | New-home purchase mortgage applications rose 1% month over month and 13.8% year over year in May, according to data released Thursday by the Mortgage Bankers Association (MBA).
The data is derived from the trade group’s survey of homebuilde... |
| Jun 5, 2024 |
Purchase mortgage demand drops 13% year over year: MBA | Mortgage demand keeps on falling. Mortgage applications dropped 5.2% for the week ending May 31 compared to the prior week, according to the Mortgage Bankers Association (MBA), results that include an adjustment for the Memorial Day holiday... |
| May 20, 2024 |
HUD publishes several changes to reverse mortgage handbook section | The U.S. Department of Housing and Urban Development (HUD) on Monday published a new version of its Single Family Housing Handbook 4000.1, which includes numerous updates to its guidance for the Home Equity Conversion Mortgage (HECM) progra... |
| May 8, 2024 |
Time is ticking for the VA to change broker payment rules | As the August implementation deadline for the business practice changes outlined in the National Association of Realtors’ (NAR) commission lawsuit settlement agreement approaches, the window of time is shrinking for the U.S. Department of V... |
| May 6, 2024 |
NRMLA, MBA provide comments on HECM application, origination documents | Following an announcement that the U.S. Department of Housing and Urban Development (HUD)’s Office of Policy Development and Research is seeking public comment related to application and origination documents for the Federal Housing Adminis... |
| May 2, 2024 |
New appraisal bias protections apply to reverse mortgage program: FHA | The U.S. Department of Housing and Urban Development (HUD) and the Federal Housing Administration (FHA) this week announced a new policy enabling mortgage borrowers to “request a re-assessment of the appraised value of their property if the... |
| May 1, 2024 |
HUD and FHA announce new appraisal bias protections | The U.S. Department of Housing and Urban Development (HUD) and the Federal Housing Administration (FHA) announced a new policy on Wednesday that will enable mortgage borrowers to “request a re-assessment of the appraised value of their prop... |
| Apr 30, 2024 |
Reverse mortgage professionals react to H4P rule changes | After the release of proposed new rules for the Home Equity Conversion Mortgage (HECM) for Purchase (H4P) program late last year, the reverse mortgage industry expressed a lot of excitement.
In the newly proposed rules handed down in Octobe... |
| Apr 26, 2024 |
HUD, USDA reach accord on energy-efficiency standard for new construction | The U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of Agriculture (USDA) have settled on new energy-efficiency standards for the construction of new single-family and multifamily homes. This fulfills a requir... |
| Apr 26, 2024 |
HUD walks back some proposed changes to HECM for Purchase program | The U.S. Department of Housing and Urban Development (HUD) on Friday announced that a proposed change to the Home Equity Conversion Mortgage (HECM) for Purchase (H4P) program has been modified to bar the practice of premium pricing, and it ... |
| Apr 19, 2024 |
Ginnie Mae denies majority of complaint in Texas Capital Bank lawsuit | Ginnie Mae has filed a point-by-point response to the initial complaint of the case brought against it by Texas Capital Bank (TCB), which alleges that the government-owned company “extinguished, in return for no consideration, TCB’s first p... |
| Apr 16, 2024 |
NPR podcast takes a closer look at reverse mortgages | Because of certain persistent reputational challenges faced by the reverse mortgage industry, it can be challenging for borrowers to find objective informational sources about the product category.
That’s what drove a listener of the podcas... |
| Apr 15, 2024 |
GSEs will not count buyer agent commissions in cap on seller concessions | Fannie Mae and Freddie Mac will not count buyer’s agent commissions as part of their allowable interested party contributions (IPCs), according to announcements from the government-sponsored enterprises (GSEs) on Monday.
The GSEs noted that... |
| Apr 12, 2024 |
Foreclosures are rising, but it’s not yet alarming | The real estate market is experiencing a slight rise in foreclosure activity following an extended period of moratoria that paused any foreclosures during the pandemic. The uptick in foreclosures could signal homeowner distress due to recen... |
| Mar 29, 2024 |
What a tech entrepreneur has discovered about reverse mortgages | Anna Frankowska was recognized in 2017 as one of Forbes’ “30 Under 30” in Europe, having studied economics in London before moving to work in investment banking.
A passion for technology led her to work in the fintech and blockchain spaces,... |
| Mar 29, 2024 |
CFPB takes a closer look at consumer mortgage complaints | The Consumer Financial Protection Bureau (CFPB) this week released its 2023 Consumer Response Annual Report, offering an overview of consumer complaints in a variety of industries overseen by the bureau.
While much of the report suggests “a... |
| Mar 21, 2024 |
Equifax’s Work Number is too expensive and regulators should look into it: CHLA | Equifax’s Work Number product is too expensive for consumers and the Federal Housing Administration (FHA) and Federal Housing Finance Agency (FHFA) should potentially do something about it, an influential mortgage trade group argued this we... |
| Mar 18, 2024 |
FHA increases manufactured home loan limits in affordable housing push | The Federal Housing Administration (FHA) announced on Monday that it has raised lending limits for its Title I Manufactured Home Loan Program, a move designed to align the FHA with market forces and to encourage more lenders to participate ... |
| Mar 14, 2024 |
Lisa Moriello talks tech, 2024 HECM limit and openness to reverse mortgages | Lisa Moriello, the national retail reverse mortgage sales manager at multichannel lender loanDepot, recently spoke to RMD about how business in 2024 seemed to be off to a promising start.
Diving deeper into the current reverse mortgage busi... |
| Mar 8, 2024 |
Ginnie Mae contends TCB can’t rely on alleged verbal promises in lawsuit | Since the original filing of a lawsuit about the extinguishment of a priority lien tied to the loan portfolio collateral of Reverse Mortgage Funding (RMF), Texas Capital Bank (TCB) has argued in court that it was given verbal assurances fro... |
| Jan 26, 2021 | FHA Provides Struggling Borrowers Additional Time To Seek Forbearance | HUD-approved housing counselors can discuss options with financially distressed homeowners.getty |
| Jun 17, 2020 | Government Agencies Extend Foreclosure And Eviction Moratoriums | Deadlines for all foreclosure and eviction moratoriums were set to expire.Getty |
| Jun 19, 2008 | Second Round of HUD’s Letter-Mailing Campaign Underway | This week, the Federal Housing Administration is mailing hundreds of thousands of letters to homeowners at risk of losing their homes through foreclosure and urging them to consider a safer, more affordable alternative to the high-cost mort... |
| Jun 16, 2008 | FHA Makes Exception to Anti-Flipping Rule For Foreclosed Properties | Bush administration officials on Friday said they had made a major change to existing U.S. Department of Housing and Urban Development regulations for mortgages endorsed by the Federal Housing Administration, lifting a key anti-flipping pro... |
| Dec 18, 2007 | Getting to 240,000 — 266 Borrowers at a Time | Update (12/19): A press statement on the FHA’s Web site says that the program has helped 33,000 so far, and is on pace to reach 53,000 by the end of the year. That’s a far cry from the 266 Reuters is reporting; see this post for follow up. ... |
| Buying your first home? Here’s what you need to know | First-time home buyers face a steep learning curve, needing to get a handle on mortgages, budgeting and other intricacies.
Tips include cleaning up your credit score before applying for a mortgage, and striving to keep prospective housing c... |
