Housing Wire

DECEMBER 17, 2024

“The FHA share of applications, at 28%, continues to show that first-time homebuyers account for a significant share of new home demand. Conventional loans accounted for 61.6% of applications, Federal Housing Administration (FHA) loans for 28% and U.S. Department of Veterans Affairs (VA) loans for 9.9%

FHA loan

Housing Wire

JULY 11, 2025

But not all loans are built the same in these scenarios. Government-backed loans like those from the Federal Housing Administration (FHA) and the U.S. Government-backed loans like those from the Federal Housing Administration (FHA) and the U.S. Serious delinquencies for VA loans are 3.5

Mortgages

Housing Wire

MARCH 24, 2025

“A loan-to-value ratio that is too high, either because of a limited down payment or an appraisal of the home that resets the value used to calculate this ratio, can also be a factor,” she said. The type of mortgage also plays a role, with jumbo and nonconventional loans facing higher rejection rates.

Debt-to-income ratio

Housing Wire

MAY 5, 2025

And despite tightened affordability , first-time buyer purchase lending has held up better than activity among repeat buyers compared to 2018 and 2019 especially for conventional loans through the government-sponsored enterprises ( GSEs ). Indiana , South Dakota and Kentucky are seeing Gen Z shares top 30% of first-time buyer activity.

Lending

Housing Wire

JUNE 30, 2025

Financing options, misplaced guidance Conventional loans remain the most common path to homeownership , but many first-time buyers also turn to government financing. Nearly 29% of first-time buyers used Federal Housing Administration (FHA) loans , which require a minimum down payment of 3.5%.

VA loan

Housing Wire

FEBRUARY 13, 2025

Jumbo mortgage rates were up 2 bps, VA loan rates were up 4 bps and FHA loan rates remained unchanged. Optimal Blue reported that after hitting a multiyear low in December, the conforming loan share edged up slightly to 51% of total production but remained near record lows.

VA loan

Housing Wire

NOVEMBER 27, 2024

22, driven by a 12% increase in demand for purchase loans, according to data released Wednesday by the Mortgage Bankers Association (MBA). But government loans saw their shares shrink. Federal Housing Administration (FHA) loans shed 60 bps during the week to represent 16% of all applications while U.S. of applications.

Mortgages

Housing Wire

JANUARY 22, 2025

Federal Housing Administration (FHA) loan borrowers must maintain escrow accounts for the entire loan cycle, regardless of equity. After that, 70% had higher homeowners’ insurance and 57% had higher premiums. Escrow accounts are required for conventional borrowers with 20% or less equity in their homes.

FHA loan

Housing Wire

DECEMBER 9, 2024

Heres your game plan: Check your credit: A score of 640 opens the door to FHA loans and down payment assistance programs. If 2024 was a rollercoaster, 2025 is shaping up to be a championship gameand every buyer , seller and homeowner has a shot at winning big. Wrapping up 2024 Lets get one thing straight: 2024 kept us on our toes.

Mortgages

Housing Wire

MARCH 27, 2025

Mortgage affordability remained flat in February as the national median monthly payment for purchase loan applicants remained unchanged at $2,205. By product type, the median mortgage payment for conventional loan applicants was $2,226, up from $2,225 in January and up from $2,194 in February 2024. on an annual basis.

Mortgages

Housing Wire

MARCH 5, 2025

According to the MBA, rates for Federal Housing Administration (FHA) loans dipped to 6.42%, while refinance activity posted its fastest pace since October 2024. “Since government loans tend to have lower interest rates and easier qualifications than conventional loans, the increase is exacerbated with these programs.

Loan Officer

Housing Wire

JUNE 10, 2025

Amid expectations that interest rate declines may reignite refinance activity , Optimal Blue on Monday launched a new tool that automatically analyzes loan officer portfolios each month to identify recapture opportunities. The tool is designed to ensure loan officers are ready when refinance volume picks up. year over year.

Loan Officer

Housing Wire

JANUARY 14, 2025

A report released Tuesday by Optimal Blue found that the conforming loan share sank to historic lows in December. While conforming loans became less common, Federal Housing Administration (FHA), U.S. Department of Veterans Affairs (VA) and nonconforming loan types gained traction. mortgage market trends.

VA loan

Housing Wire

DECEMBER 4, 2024

Purchase loan activity drove total applications higher last week, which included an adjustment for the Thanksgiving holiday. In 2025, jumbo loans will increase to a minimum size of $806,501 — a 5.2% But government loans trended slightly upward. Federal Housing Administration (FHA) loans remained at 16% of all applications.

Mortgages

Housing Wire

JULY 23, 2025

Borrowers had an average FICO score of 737 and an average loan-to-value ratio of 51% in Q2 2025. Chief financial officer Kurt Johnson noted the company is closely monitoring the Ginnie Mae segment, particularly Federal Housing Administration ( FHA ) loans, which comprise 15% of the portfolio. Cooper President Mike Weinbach said.

FHA loan

Housing Wire

JUNE 9, 2025

in 2022 – while auto loans delinquencies hit 2.0%, and student loan delinquencies (90+ days past due) soared to 20%, a level unseen since 2012. in 2025 2 could pose risks for high loan-to-value (LTV) borrowers who have minimal home equity. and student loan delinquencies at 20% in 2024 (up from 2.8% The 2025 U.S.

Marketing

Housing Wire

JULY 31, 2025

An increase in the index equates to declining borrower affordability conditions, and the mortgage payment-to-income ratio is higher due to increasing application loan amounts, rising mortgage rates or a decrease in earnings. It occurs when loan application amounts decrease, mortgage rates decrease or earnings increase. “The

Mortgages

Housing Wire

APRIL 7, 2025

VA foreclosure starts pick up ICE noted that loans in active foreclosure rose by 2% in February, driven solely by a rise in VA foreclosures, as the market continues to normalize following the expiration of the VA foreclosure moratorium. That’s according to the latest Mortgage Monitor report from ICE Mortgage Technology. since mid-March.

FHA loan

Housing Wire

FEBRUARY 13, 2025

Critical defects were found on 1.51% of all loans in the third quarter, a 17% decline from the defect rate of 1.81% in the second quarter. Loan applicants also struggled as rising premiums made it difficult for them to qualify for mortgages due to higher debt-to-income ratios.

Debt-to-income ratio

Housing Wire

MAY 28, 2025

FHA loan rates averaged 6.68%. The 5/1 option provides a fixed interest rate for the first five years, after which the rate adjusts annually based on market conditions. ARMs typically gain market share when rates are elevated, as borrowers can access lower initial rates compared to traditional fixed-rate mortgages.

VA loan

Housing Wire

MAY 1, 2025

Ive yet to see convincing data that says keeping a home off the market nets a better deal for the seller, Willoughby said. We have a fiduciary obligation to expose their home to as many buyers as possible to get the highest and best price. Why would we hide it? Lets be honest. Its not about strategy. Its about control.

Agents

Real Estate News

JUNE 16, 2025

Dave Gallagher June 16, 2025 3 mins Homebuyer down payments have started to dip, a sign that those who are using loans to help finance their purchases are shifting their focus to less expensive homes. An uptick in FHA, VA loans: FHA and VA loans became more common during the market slowdown this spring.

VA loan

Housing Wire

JANUARY 15, 2025

The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances and 30-year fixed-rate mortgages backed by the FHA both saw increases for jumbo loans it was an increase to 7.05% from 6.99%, and for FHA loans the interest rate reached 6.76% from 6.65%. Bond yields in the U.S.

Fixed-rate mortgage

Housing Wire

JULY 15, 2025

A recent report from the Urban Institute analyzed potential reasons behind the increasing number of delinquencies on Federal Housing Administration (FHA) loans. Seriously delinquent FHA loans — those that are at least 90 days past due — are up from a low point of 3.7% in the second quarter of 2024 to 4.8%

FHA loan

Housing Wire

MAY 15, 2025

In terms of loan types: Federal Housing Administration (FHA) loan review share grew in Q4, with associated defect rates declining. Department of Veterans Affairs (VA) loan defect rates remained largely unchanged, while U.S. Key findings The Q4 2024 critical defect rate dropped 23.2% from the third quarter to reach 1.16%.

VA loan

Housing Wire

MARCH 21, 2025

Due to the debilitating wildfires in Los Angeles earlier this year, ICE says 4,100 homeowners in Los Angeles are now past due on their mortgages, up from 700 in January, with daily performance data suggesting that number could edge higher in March. Foreclosure starts (-17%) eased in February as the U.S. Starts saw a year-over-year change of 34.53%.

FHA loan

Housing Wire

JULY 7, 2025

Mortgage holders who are behind on their student loans are four times more likely to be delinquent on their mortgages, ICE reported. We’re seeing early signs of risk building within specific markets and within specific borrower populations, like borrowers with limited equity or who are behind on student loans.

Equity

The Mortgage Report

JUNE 13, 2025

Buy a Home Home-Buying Loan Types Low Down Payment Mortgages Conventional Loans VA Loans FHA Loans FHA 203k Rehab Loan USDA Loans Investment Property Mortgages Compare Home Buying Loans Home Buying Help Do I Need 20% Down? You don’t have to be a first-time buyer to use an FHA loan.

FHA loan

Real Estate News

JULY 7, 2025

Most first-time buyers (69%) rely on savings to fund their down payments, and 1 in 4 use gifts or loans from family members or friends. Majorities of both groups use conventional loans, and many (29% of first-time buyers and 10% of repeat buyers) use FHA loans, which offer down payments as low as 3.5%.

VA loan

Housing Wire

MARCH 5, 2025

Kan added that the FHA rate dipped to 6.42% and refinance activity saw its fastest pace since October 2024. The move in government refinances was driven by a 75% increase in VA loans, which have been prone to large changes in recent months, he shared. Mortgage applications increased 20.4% of total applications from 38.9%

Fixed-rate mortgage

Housing Wire

MAY 14, 2025

The unadjusted purchase index increased 2% compared with the previous week and was 18% higher than the same week one year ago. The news for the week was the growth in purchase applications , up 2.3% and almost 18% higher than last years pace. Meanwhile, refinance activity slowed , with the index decreasing 0.4% from the previous week.

Fixed-rate mortgage

Housing Wire

JULY 11, 2025

Loan officer profile visible to leads (Source: LendingTree ) Want leads fast? From there, they complete qualification forms and are given loan options and lenders, like you, who can help them. then it’s time to dig into more strategies to ensure your mortgage lead generation is on point. Check out LendingTree. Visit LendingTree 3.

Mortgages

Housing Wire

JANUARY 9, 2025

The column is likely referencing the Home Equity Conversion Mortgage ( HECM ) program insured by the Federal Housing Administration (FHA). Loan proceeds are dependent on the amount of equity in the home and current interest rates, the column noted, and there are multiple disbursement options available, the column noted.

FHA loan

Keeping Current Matters

AUGUST 4, 2025

If you qualify for an FHA loan, you may only need to put 3.5% And VA loans typically don’t require a down payment at all. That’s when the worry can set in. “I’ll never save enough.” ” “I need a small fortune just to get started. ” Sure, saving can take time. Here’s why.

VA loan

Redfin

JANUARY 28, 2025

If you’re exploring mortgage options or looking to sell your home, whether its a charming home in Nashville or a spacious townhome in Houston , you might wonder: Are FHA loans assumable? Here’s how FHA assumable mortgages work and why they might be worth considering. Are FHA loans assumable?

FHA loan

The Close

JULY 1, 2025

However, some will struggle with getting approved for a loan, which is something that could result in the transaction falling through for you as a real estate agent. That’s where FHA loans can save the day for everyone. This makes it possible for buyers who might not qualify for traditional loans to still secure financing.

FHA loan

Housing Wire

MARCH 11, 2025

Non-conforming loan volume which includes jumbo and non-QM loans was flat at a share of 15.5%. Optimal Blue ‘s February 2025 Market Advantage mortgage data report, released Tuesday, showcased a 7% month-over-month increase in mortgage lock volume , which the company said was primarily driven by a surge in refinance activity.

Loans