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Items Tagged with 'FHA'

ARTICLES

Wells Fargo, DOJ losing “optimism” for lawsuit settlement

Wells Fargo lawyer says litigation may continue
Ben Lane
A settlement between Wells Fargo and the U.S. Department of Justice over claims that Wells Fargo misled the U.S. Department of Housing and Urban Development into believing its loans qualified for insurance from HUD's Federal Housing Administration has hit another snag.
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Castro: Broad support for ending Fannie Mae and Freddie Mac

Will it be a priority in the administration’s final two years?
Brena Swanson
While the complete overhaul of the government-sponsored enterprises has continuously been an issue in Washington, it has not always been a top priority. Well, it may now be back at the top of the pile for priorities.
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FHA mortgage insurance premiums won’t be going down in 2015

Good news for private mortgage insurance
Trey Garrison
Despite the Federal Housing Administration showing improvement in its financial house, it’s unlikely FHA mortgage insurance premiums will be going down in 2015.
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FHA actuarial report is a Rorschach test for Washington players

Proof of structural failure or proof it’s all hunky-dory?
Trey Garrison
The Federal Housing Administration released Monday its actuarial report on the Mutual Mortgage Insurance Fund for single-family programs, and a lot of very divergent voices have equally divergent opinions on what it means.
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Mortgage insurance back in black in latest FHA actuarial report

Aggressive post-crisis policies improve MMI outlook
Trey Garrison
The Federal Housing Administration released Monday its actuarial report on the Mutual Mortgage Insurance Fund for single-family programs, and it shows the financial health of the regulating agency improved dramatically but that it still has a way to go with its finances.
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Mortgage delinquencies continue slide in 3Q

Delinquencies now at lowest since 2007
Trey Garrison
The delinquency rate for mortgage loans on one-to-four-unit residential properties decreased to a seasonally adjusted rate of 5.85% of all loans outstanding at the end of the third quarter of 2014.
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Monday Morning Cup of Coffee: What GOP control means for housing

Affordable housing minefields, getting an FHA loan, and more
Trey Garrison
Are we heading back down the path of dangerous lending and dodgy, politics driven housing policy, or is this much ado about nothing? Plus, wither Washington with the GOP at the helm?
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Fannie, Freddie to take on more credit risk

Capital Economics: Weighing up the FHFA’s mortgage proposals
Trey Garrison
Proposals to lower the minimum down-payment on Fannie Mae and Freddie Mac-backed mortgages at the same time as reducing banks’ exposure to put-back risk may help accelerate the planned modest loosening in mortgage credit conditions.
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Monday Morning Cup of Coffee: Will record low rates jumpstart mortgages?

Plus a new subprime wave, revised stress test, and housing metrics galore
Trey Garrison
The industry hopes record low rates will spark a surge in buying and refis, but there's a limit on how much those can help. Plus, will the new FHFA guidelines lead to a surge in subprime lending with all the risks that carries, or is it going to be different this time?
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MBA leaders challenge federal regulators to take action

MBA: It's time for the penalty phase to end
Sarah Wheeler
"Today's lenders are paying many times over for mistakes that may have been out of their control," Bill Cosgrove, MBA chairman, said Monday at the MBA Convention in Las Vegas. "And it's the consumer who pays the ultimate price. It's time for the penalty phase to end."
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