Housing Wire

MAY 13, 2025

Delinquencies on conventional loans increased slightly, while mortgage delinquencies on ( Federal Housing Administration ) and VA loans declined, said Marina Walsh, MBAs vice president of industry analysis. Foreclosure inventories increased across all three loan types, and particularly for VA loans.

VA loan

Housing Wire

FEBRUARY 13, 2025

Federal Housing Administration (FHA) loans were next, posting a critical defect rate of 28.23%. ACES recommends that lenders get better at balancing operational demands with compliance requirements to make sure loans remain well managed.

Debt-to-income ratio

Housing Wire

JUNE 9, 2025

and student loan delinquencies at 20% in 2024 (up from 2.8% Traditional loan modification programs are faltering: 13.7% million modifications since 2020 have failed, with FHA loans failing at 22.1%, signaling persistent borrower distress 2. Non-mortgage debt, with credit card delinquencies at 3.5% decline (5,737 units).

Marketing

Housing Wire

MAY 28, 2025

FHA loan rates averaged 6.68%. According to industry experts , most borrowers can shave at least 50 basis points off their rate compared to a conventional fixed mortgage by choosing an ARM. As of Wednesday morning, the average 30-year conforming mortgage rate stood at 6.97%, according to HousingWire s Mortgage Rates Center.

VA loan

Real Estate News

JUNE 16, 2025

Skip to Content Agents Brokerages MLS/Assn Tech Industry By the Numbers Consumer Shutterstock By the Numbers Down payments drop for the first time in nearly 2 years A new Redfin report suggests homebuyers may be seeking less expensive homes as ongoing economic concerns add pressure to large purchase decisions. Redfin found that 15.3%

VA loan

Housing Wire

MAY 1, 2025

Industry debate around off-market listings or pocket listings has become increasingly heated. But what about the average family using an FHA loan? For some agents , these private transactions are tools of exclusivity and strategy. For others, theyre a disservice to sellers and a potential breach of fiduciary duty.

Agents

Housing Wire

MAY 15, 2025

Post-closing quality control data is collected through ACES quality management and control software and offers a snapshot of mortgage industry underwriting trends. In terms of loan types: Federal Housing Administration (FHA) loan review share grew in Q4, with associated defect rates declining.

VA loan

Real Estate News

JULY 7, 2025

Skip to Content Agents Brokerages MLS/Assn Tech Industry By the Numbers Consumer Shutterstock Agents 20% down? 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%. Write to Meghan Roos.

VA loan

Housing Wire

JULY 11, 2025

Make a list of all the people you know, also known as your sphere of influence, and let them know you’re in the mortgage industry and ready to help anyone looking to secure financing. Day 10 – Interest Rates: Speak about trends in loan rates, news about the future forecast of rates and how that affects the buying process.

Mortgages

RIS Media

OCTOBER 29, 2024

Department of Housing and Urban Development (HUD) announced Monday the expansion of public appraisal data to include Federal Housing Administration (FHA) loans. —The Federal Housing Finance Agency (FHFA) and the U.S.

FHA loan

Calculated Risk Real Estate

JULY 7, 2025

Mortgage rates in the high 6% range and growing inventory across the country continue to cool home price growth Annual price growth eased to 1.6% in May with ICE’s enhanced Home Price Index showing growth slowing further to 1.3%

Mortgages

The Mortgage Report

JULY 1, 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? Meanwhile, FHA loans comprised 15.3%

Loans

The Mortgage Report

JUNE 9, 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? How Much Home Can I Afford?

FHA 203k rehab loan

The Mortgage Report

JULY 11, 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? How Much Home Can I Afford? Verify your home buying eligibility.

FHA 203k rehab loan

The Close

NOVEMBER 25, 2024

The right loan type for your investment depends on the property you choose to buy, so you need to be informed about each property type before shopping for homes. For example, you can get a Federal Housing Administration (FHA) loan and pay a smaller down payment if you purchase a triplex where you plan to live.

Purchase and sale agreement

Rochester Real Estate

NOVEMBER 5, 2015

Top Mortgage Myths | Demystifying Common Home Loan Misconceptions No one ever said that getting approved for a mortgage would be easy, but that doesn’t mean it’s impossible, even for those would-be buyers who are afraid that they won’t qualify for a home loan. down, provided you have a credit score of 580 or higher.

Loans

Marco Santarelli

JULY 31, 2025

State-Specific Regulations: States have different regulations impacting the mortgage industry, affecting lenders' costs and risk assessments. Average Loan Size: The average loan size requested in a state can impact the rates offered. Consider All Loan Options: Don't limit yourself to just the 30-year fixed rate.

Mortgages

Calculated Risk Real Estate

FEBRUARY 6, 2025

. “Although mortgage delinquencies rose only ten basis points in the fourth quarter of 2024 compared to one year ago, the composition of the delinquencies changed,” said Marina Walsh, CMB, MBA’s Vice President of Industry Analysis. ” Added Walsh, “Government loans are also rolling to later stages of delinquency.

VA loan

Marco Santarelli

JULY 21, 2025

Long-Term Mortgage Rate Predictions and Market Insights Several industry experts and organizations have put forward forecasts based on economic data, inflation trends, and housing market conditions. National Association of Realtors (NAR) : Chief Economist Lawrence Yun forecasts mortgage rates to average 6.4%

Mortgages

Marco Santarelli

MAY 14, 2025

Washington: Fueled by the tech industry and strong job growth, Washington's real estate market offers decent mortgage rates. Consider Different Loan Types: Explore different loan options, such as fixed-rate, adjustable-rate, and FHA loans, to see which best suits your needs.

Mortgages

Rochester Real Estate

NOVEMBER 5, 2015

The authors of these articles are some of the best writers in the mortgage and real estate industries. ” is an extremely common question in the mortgage and real estate industries. It’s unfortunate, but not every prospective buyer is going to be able to qualify for a home loan. Happy house hunting!

Finance

BAM Media

APRIL 1, 2025

FHA loans account for 90% of the increase , despite making up less than 15% of all active mortgages. For industry news, edutainment, and humor, sign up for the best newsletter on the planet for real estate agents. Los Angeles wildfires drove a spike in delinquencies, from 700 in January to 4,100 in February. The bottom line?

Mortgages

Housing Wire

FEBRUARY 6, 2025

Click n’ Close underwent a massive rebranding effort in June 2022 as it expanded into the mortgage technology industry. It now offers multiple loan programs including SmartBuy SAM to third-party originators, alongside its direct-to-consumer programs for reverse and Native American borrowers.

Loans

Housing Wire

NOVEMBER 21, 2024

Average loan size reached highest level since 2022 Alongside the growth in new-home application rates, the average size of a mortgage for a new home also moved higher. MBA reported an average loan amount of $410,000 in October, up from $402,000 in September. The recent election could be a prime factor.

Mortgages

Redfin

JULY 2, 2025

Same industry, similar role If you switched to a new job in the same field, especially with a pay increase, most lenders won’t see it as a problem. Exceptions: Special loan programs for recent job changes Some loan types are more flexible than others: 1. Here’s how different scenarios may affect your mortgage application: 1.

Pre-approval

BAM Media

APRIL 3, 2025

And while FHA loans are still available for qualifying borrowers, these loans account for 90% of the increase in the homeowner delinquency rate. For industry news, edutainment, and humor, sign up for the best newsletter on the planet for real estate agents. It’s the highest ever.

Bankruptcy

Marco Santarelli

MAY 2, 2025

State Regulations: Each state has its own set of rules and regulations governing the mortgage industry. Economic Factors: Local economic conditions, such as unemployment rates or industry downturns, can impact lender risk assessments and, consequently, mortgage rates. Negotiate: Don't be afraid to negotiate with lenders.

Mortgages

Housing Wire

FEBRUARY 27, 2025

In the opening month of his return to the White House , President Donald Trump has upended the status quo in the federal government by implementing a hiring freeze and conducting widespread layoffs , including many positions that impact the housing and mortgage industries. at the end of 2024.

Mortgages

Marco Santarelli

JUNE 26, 2025

State-Specific Regulations: Each state has its own set of regulations governing the mortgage industry, which can impact lender costs and, ultimately, the rates they offer. A state with more competition between lenders might see slightly lower rates as they jostle for your business.

Mortgages

AAOA

FEBRUARY 6, 2025

Financing for your tiny home may be more difficult than if you were constructing a traditional home, but in some cases, you may be able to secure an FHA loan. When considering a prospective tenant, remember that AAOA offers industry-leading tenant screening services to help you make the most informed decision possible.

Due diligence

Marco Santarelli

APRIL 10, 2025

FHA and VA Loans Government-backed loans, such as FHA (5.95%) and VA Loans (6.45%), offer attractive options for specific groups, like first-time homebuyers and veterans. FHA loans require lower credit scores and smaller down payments, making them accessible for those with limited financial histories.

Fixed-rate mortgage

Marco Santarelli

MAY 22, 2025

Average Loan Size: The size of the average mortgage loan can also impact rates. Larger loan amounts sometimes come with different risk profiles for lenders. State Regulations: Each state has its own set of regulations governing the mortgage industry. Some might be more aggressive in certain markets than others.

Mortgages

Marco Santarelli

MAY 20, 2025

For instance, will it be as easy to find information on FHA loans with downpayment assistance if they aren't Rocket's prime offerings? Tech Takes Center Stage: The focus on AI and data analytics by Rocket and Redfin could set a new industry standard. This is something to watch. Less Choice, Higher Prices?

Mortgages

Housing Wire

APRIL 28, 2025

With federal oversight shifting under the current administration, some mortgage lenders may feel less pressure to prioritize compliance and loan quality. But, according to industry experts Amanda Phillips, General Counsel and EVP of Compliance at ACES Quality Management, and Richard J. Andreano, Jr.,

Investor

Housing Wire

APRIL 17, 2025

The first big cost-saver at stake would ensure that new homes that receive FHA loans or support from several other federal programs are built to up-to-date energy codes. The lower electricity use also reduces load on the electric grid, making room for new data centers and industrial plants.

FHA loan

Housing Wire

JUNE 27, 2025

.” In practice, the FHA is formally retracting a series of rules implemented via Mortgagee Letters, which had governed various aspects of the loan origination process from the initial application through the issuance of FHA insurance endorsements.

Inspection

RIS Media

MARCH 28, 2025

Editors Note: The Mortgage Mix is RISMedias biweekly highlight reel of need-to-know mortgage-industry happenings. Watch for it every other Friday afternoon. –Mortgage rates were up this week and home purchase applications were down, but that doesnt tell the whole story.

Mortgages