Housing Wire

AUGUST 6, 2024

Attorneys for Ginnie Mae have responded to Texas Capital Bank (TBC) over the government’s motion to move the case to a different venue. They say that the bank’s own filing on the matter avoids the key issues that the government sought to raise regarding the original clause that specifies where any related legal actions should take place.

Government 395

Government Mortgage Contracts Legal 395

Appraisal Buzz

SEPTEMBER 13, 2024

The Government MCAI remained steady, whereas the Conventional MCAI rose by 1.8%. Conventional, Government, Conforming, & Jumbo MCAI Component Indices Using the same process as the Total MCAI, the Conventional, Government, Conforming, and Jumbo MCAIs are created to display the relative credit risk and availability for each index.

Mortgage 414

Mortgage Government Lending Construction 414

Appraisal Buzz

OCTOBER 15, 2024

The Government MCAI grew by 0.8%, while the Conventional MCAI fell by 1.7%. While the Conventional MCAI looks at non-government loan programs, the Government MCAI looks into FHA, VA, and USDA loan programs. Key Findings from the Mortgage Credit Availability Index: In September, the MCAI dropped by 0.5%

Mortgage 387

Mortgage Government Lending Construction 387

Appraisal Buzz

AUGUST 8, 2024

While the Government MCAI fell by 0.1%, the Conventional MCAI climbed by 6.4%. Using the same process as the Total MCAI, the Conventional, Government, Conforming, and Jumbo MCAIs are created to display the relative credit risk and availability for each index. In March 2012, the index was benchmarked at 100.

Mortgage 396

Mortgage Government Lending Construction 396

Housing Wire

AUGUST 15, 2024

government, working on behalf of Ginnie Mae and the U.S. The second filing is a memorandum from Ginnie Mae that reiterates several arguments the government has made against TCB. Having lost its attempt to dismiss [TCB]’s claims, the government asks this court to transfer this case to another courthouse,” TCB attorneys wrote in July.

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Government Development Law Lending 386

Housing Wire

JUNE 14, 2024

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 Reverse Mortgage Funding servicing portfolio by Ginnie Mae.

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Government Mortgage Lending Finance 423

Housing Wire

NOVEMBER 7, 2023

It is costing more for schools and governments to pay for services. Barber says it is costing more for local governments and schools to provide services. Local governments determine how much money is needed to cover the cost of services, like policing, parks, roads and public schools.

Property Taxes 540

Property Taxes Home Value Government Valuation 540

Appraisal Buzz

NOVEMBER 20, 2024

percent, while the Government MCAI increased by 0.4 percent, while the Government MCAI increased by 0.4 The Conventional, Government, Conforming, and Jumbo MCAIs are constructed using the same methodology as the Total MCAI and are designed to show relative credit risk/availability for their respective index. The MCAI rose by 0.7

Mortgage 418

Mortgage Government Design Construction 418

Housing Wire

AUGUST 15, 2024

There are many government program offerings designed to support low-income borrowers and underserved communities available through banks and credit unions, including: Federal Housing Administration (FHA): FHA provides mortgage insurance on loans made by FHA-approved lenders.

Government 418

Government Insurance Finance Mortgage 418

Housing Wire

AUGUST 13, 2024

The letter concluded with ALTA stressing that it is not just lenders who benefit from a lender’s title policy, but consumers and even the federal government. The comment period for the request for information closed on Aug. 2, 2024.

Insurance 423

Insurance Mortgage Legal Government 423

Appraisal Buzz

DECEMBER 10, 2024

More than half of recent mortgages were government loans in Colorado Springs, Colorado; El Paso, Texas; and Virginia Beach, Virginia because of high VA-loan usage. Nearly three in four mortgage loans were government loans in El Paso, with 29.3% Miami leads with 42.7% comprised of VA loans and 41% were FHA loans.

Housing Market 418

Housing Market Marketing Inventory Government 418

Appraisal Buzz

JANUARY 10, 2025

The Government MCAI did not change, however the Conventional MCAI rose by 1.3%. percent, while the Government MCAI remained unchanged. In December, the MCAI increased by 0.7% While an increase in the index signifies loosening credit, a decrease in the MCAI suggests tightening lending rules. The Conforming MCAI decreased by 0.7

Mortgage 393

Mortgage Government Lending Technology 393

Housing Wire

APRIL 15, 2024

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.

Buyers 532

Buyers Agents Real Estate Agent Sellers 532

Housing Wire

OCTOBER 15, 2024

The MCAI for conventional loans fell by 1.7%, while the corresponding index for government loans increased by 0.8%. Most component indexes decreased over the month, but the government index increased, driven by more offerings of VA streamline refinances.” The MBA’s Mortgage Credit Availability Index (MCAI) fell by 0.5% in September.

Mortgage 345

Mortgage Government Marketing Technology 345

Housing Wire

JANUARY 8, 2025

Eighty percent of respondents also believe the government should be doing more to help retirees a tall order considering the place of the Social Security program in gridlocked political conversations, particularly in a narrowly-divided Congress.

Government 314

Government Real Estate Mortgage Marketing 314

Housing Wire

NOVEMBER 28, 2023

Moreover, for the first time, the federal government backed mortgages north of $1 million. New conforming limits also reignite further debate about whether the government should be backing mortgages as high as $1 million. In 2022, the housing market was a little hotter than this year due to lower mortgage rates, pushing home prices up.

Finance 534

Finance Government Law Mortgage 534

Housing Wire

APRIL 17, 2024

The Federal Housing Finance Agency (FHFA) this week announced a new product proposal for government-sponsored enterprise (GSE) Freddie Mac that would allow the agency to purchase certain single-family, closed-end second mortgages.

Mortgage 514

Mortgage Government Design Finance 514

Housing Wire

DECEMBER 20, 2024

And actual robotic assistance is something being developed in other parts of the world, including through government endorsement of the idea. These include the active encouragement by the governments of the countries examined to construct robots for social utility, including for in-home care.

Design 326

Design Government Development Technology 326

Housing Wire

OCTOBER 15, 2024

The government-sponsored enterprise (GSE) said the Housing Choice Voucher program, which launched in 2022, assists very low-income families, seniors and people with disabilities in being able to afford stable and quality housing in the private market.

Landlords 410

Landlords Tenants Property Management Legal 410

Housing Wire

MAY 15, 2024

VantageScore has released a pilot of its latest credit-scoring model , VantageScore 4 Plus, for banks, fintechs and government lenders. That’s when the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac will acquire single-family loans based on the FICO 10T and VantageScore 4.0

Lending 445

Lending Government Finance Mortgage 445

Appraisal Buzz

AUGUST 7, 2024

Protecting the property rights of all Americans—and what is likely their largest financial investment—is of utmost importance,” said Elizabeth Blosser , VP of Government Affairs at ALTA. These crimes result in legal costs, reduction in equity or property value and even property loss. We must combat these threats.”

Law 397

Law Real Estate Government Realtors 397

Housing Wire

NOVEMBER 18, 2024

The Federal Housing Finance Agency (FHFA) on Monday announced that it will raise the 2025 multifamily loan caps for purchases by the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac to $73 billion each.

Government 396

Government Finance Business Marketing 396

Housing Wire

SEPTEMBER 23, 2024

By contrast, sellers of loans through fellow government-sponsored enterprise (GSE) Fannie Mae repurchased $268.5 Seller repurchases of Freddie Mac mortgages rose by $430 million in the second quarter of 2024, a 29.1% increase from the first quarter, according to an analysis of public filings by Inside Mortgage Finance. decline from Q1 2024.

Sellers 512

Sellers Government Finance Mortgage 512

Housing Wire

SEPTEMBER 4, 2024

United Wholesale Mortgage (UWM) is rolling out a new 75 basis-point incentive program for conforming conventional and government-backed rate-and-term refinances.

Government 420

Government Technology Clients Investing 420

Appraisal Buzz

AUGUST 5, 2024

The Mortgage Servicing Forum will bring together top mortgage servicing executives and government representatives to discuss the challenges facing the industry, while charting the best path forward.

Mortgage 411

Mortgage Government Law Design 411

Housing Wire

NOVEMBER 25, 2024

The Federal Housing Finance Agency (FHFA) on Monday unveiled its three-year plan for the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac to improve housing opportunities in underserved areas.

Development 419

Development Government Finance Design 419

Housing Wire

JULY 1, 2024

A government solution Without employer participation and accountability, the government has taken on the full onus of fixing the housing crisis. The government simply cannot deliver on the high need or delicate balances, and behind closed doors, many officials are frustrated with employers’ unrelenting role in the crisis.

Real Estate 455

Real Estate Government Inventory Housing Market 455

Housing Wire

SEPTEMBER 3, 2024

Doug Duncan , who’s been the chief economist at the government-sponsored enterprise since 2008, will be retiring effective Sept. The chief economist of Fannie Mae expects to hang up the cleats this year. 22, according to Rob Chrisman, who first reported the news on his blog Tuesday morning.

Government 387

Government Mortgage Marketing Finance 387

Housing Wire

OCTOBER 30, 2024

Government refinances accounted for a large part of the decrease, dropping 12% over last week.” The 30-year fixed rate, at 6.73%, was at its highest level since July 2024,” said Joel Kan , MBA’s deputy chief economist.

Mortgage 414

Mortgage Government Inventory Marketing 414

Housing Wire

APRIL 8, 2024

After those government-supported mortgages terminate due to maturity or prepayment, the owners can, and many do, convert their multifamily properties to market-rate rents, or sell them to new owners that are not committed to providing housing that is affordable to struggling low-income rural tenants.

Tenants 485

Tenants Finance Construction Government 485

Housing Wire

JANUARY 16, 2025

If residential workers also lose their jobs, it will be necessary for government jobs to grow increasingly faster in 2025 to offset these losses. Regarding the labor market, let’s keep it straightforward: private payroll growth is slowing, and manufacturing employment experienced job losses in 2024.

Mortgage 493

Mortgage Construction Marketing Government 493

Housing Wire

NOVEMBER 14, 2024

The Congressional Budget Office (CBO) this week published a report assessing the performance of government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac in reaching their single-family housing goals. The CBO found that the GSEs “met or exceeded” nearly all goals over a four-year period from 2018 to 2022.

Government 463

Government Finance Legal Mortgage 463

Housing Wire

JANUARY 2, 2025

Government lending programs saw mixed results as applications for Federal Housing Administration (FHA) loans fell by 60 bps to a market share of 16.6%, while applications for Department of Veterans Affairs (VA) loans rose by 50 bps to a share of 15.7%. For the week ending Dec.

Mortgage 430

Mortgage Retail Contracts Government 430

Housing Wire

DECEMBER 4, 2024

The program, dubbed “60bps for 60 Days,” applies to both conventional and government loans and is available to borrowers with a FICO score of 720 or higher. In September, UWM launched a 75-bps incentive program for conforming conventional and government-backed rate-and-term refinances. The Federal Housing Administration (FHA), U.S.

Government 315

Government Mortgage Marketing Business 315

Housing Wire

JULY 25, 2024

The government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac have also taken notice, enacting new climate policies and inquiries to assess the impact of the market dynamics. From presidential to congressional candidates, housing has become an important issue for the electorate.

Insurance 437

Insurance Mortgage Government Marketing 437

Housing Wire

JANUARY 10, 2025

Shes urging House Speaker Mike Johnson to take up the bill, which would require the Government Accountability Office (GAO) to conduct a study to assess wildfire and insurance threats and responses. I think what we’ve got to look at is, what can the government do to back up the ability for people to have insurance coverage?

Insurance 336

Insurance Government Construction Business 336

Housing Wire

AUGUST 28, 2024

The government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac on Wednesday announced new minimum standards to be included in tenant leases on GSE-backed multifamily properties, following up on a policy announced last month by the Federal Housing Finance Agency (FHFA).

Tenants 373

Tenants Government Finance Marketing 373