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

JULY 11, 2025

As the top VA purchase loan officer for the last two years, I have seen the solution. If the buyer was a veteran with a VA loan, I could have the buyer ask the seller to pay all their closing costs and up to 4% towards the homebuyer’s debt. Simple, you can only do it with VA loans. We do this all the time.

Debt-to-income ratio

Housing Wire

NOVEMBER 4, 2024

As real estate practitioners adjust to the practice changes that took effect in August, and the industry waits for final approval of the NAR settlement from the court in November, questions continue about seller offers of compensation. These are the questions that advocates who want to upend the real estate industry further cannot answer.

Debt-to-income ratio

Housing Wire

NOVEMBER 8, 2024

We’ve gone through some leadership changes , some legal challenges and one of, if not the largest, industry shifts of our lifetime. Sears cited the trade group’s efforts in advocating for changes in VA loan procedures. After all, we are most effective by working together for the betterment of our industry.”

VA loan

Housing Wire

MAY 2, 2025

When industry experts think about what could lead to a significant departure of loan officers and real estate agents, two main things come to mind: AI and market conditions. Although AI and market conditions will have some level of impact, a much bigger game-changer is coming to the industry. Here is the good news.

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. 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%

VA loan

Housing Wire

FEBRUARY 10, 2025

Two key factors contribute to this disparity: a lack of knowledge about the VA benefits to which they are entitled, and a limited understanding among sellers and lenders of the strong buyer profile of VA loan borrowers. Its important to take a moment to look back at the history behind VA benefits. In 1944, the U.S.

Industrial

Housing Wire

DECEMBER 6, 2024

Some popular real estate newsletter content includes: Market updates Featured listings Industry news Local news Community events Agent profiles Investment opportunities No matter what content you choose to include, your real estate newsletter should serve as a meaningful touchpoint that continuously builds your client relationships.

Pre-approval

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

APRIL 23, 2025

That was tied to the shift of $60 million in sub-serviced loans to other firms amid the closure of its Flagstar deal at the end of the year the biggest acquisition in Mr. Cooper’s history. In total, Mr. Cooper had 6.5 million servicing customers in the first quarter. ” Mr.

VA loan

Housing Wire

MARCH 31, 2025

Marine Corps , Royer is a long-time member of the real estate industry. He currently works as chief production officer for Florida-based Salute Home Loans , a division of Capital Federal Credit Union. And yet, we have members of Congress who simply dont believe in government helping people. In addition to his time in the U.S.

Loans

BAM Media

NOVEMBER 11, 2024

® released a report showcasing the benefits that VA loans offer to military families. of homes purchased with VA loans involved down payments of less than 10%, and 74.5% purchased with 0% down—a standout feature of VA loans. average for conforming loans. .” average for conforming loans.

VA loan

RIS Media

JULY 17, 2025

Industry News Latest News National News Politics Housing Policy Mortgage Industry NAR National Association of REALTORS® Real Estate Politics VA Home Loan Reform Act VA Loans

Loans

BAM Media

DECEMBER 11, 2024

These connections bring frequent relocations and increased use of VA loans , enabling homeownership with little to no down payment. For industry news, edutainment, and humor, sign up for the best newsletter on the planet for real estate agents Success!

New Construction

Housing Wire

FEBRUARY 3, 2025

The Tech100 Mortgage award recognizes the most innovative and impactful organizations driving the mortgage industry forward. Now in its 13th year, the Tech100 program serves as a trusted resource for housing professionals, providing a definitive list of the industrys top technology providers.

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? How Much Home Can I Afford? But not everyone can afford to put 20% down.

Loans

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

Calculated Risk Real Estate

JULY 7, 2025

While this deceleration may help affordability, it could potentially weaken the equity positions of borrowers who purchased more recently, particularly those using FHA and VA loans, which are low down payment products. In certain markets, the figures are more pronounced: in Cape Coral, Fla.,

Mortgages

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. They often target first-time homebuyers or veterans, groups that may have less access to traditional credit. in 2026.

Mortgages

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

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

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

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. FHA Loans The Federal Housing Administration (FHA) allows applicants to qualify with less job history, especially if they can prove future income or recent graduation.

Pre-approval

Rochester Real Estate

NOVEMBER 5, 2015

If you are going to be using FHA or VA loan financing, it is likely the mortgage lender will require a pest inspection to be performed. Bill has been working in the real estate industry for the past thirty-three years. He works for RE/MAX Executive Realty in Hopkinton Massachusetts.

Inspection

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.

Loans

Housing Wire

NOVEMBER 21, 2024

Federal Housing Administration (FHA) loans represent a 29% share of all new-home applications, a significant increase compared to their historical averages. Department of Veterans Affairs (VA) loans comprised 10% of new-home loan applications, with U.S. Department of Agriculture (USDA) loans at 0.4%.

Mortgages

Marco Santarelli

MAY 10, 2025

Throughout the industry, lenders are adjusting their rates amid fluctuating economic conditions. FHA and VA Loans : These loans cater to specific groupsFHA loans are backed by Federal Housing Administration and are often popular among first-time homebuyers due to lower down payment requirements. and the U.K.,

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

Housing Wire

APRIL 4, 2025

This change is necessary because VA is not set up or intended to be a mortgage loan restructuring service. Republicans have taken issue with the program buying distressed loans from the mortgage industry to hold them on the VAs books. Mike Bost (Ill.),

Loans

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

Housing Wire

OCTOBER 17, 2024

In a new episode of the “Real Estate Insiders Unfiltered” podcast, hosts James Dwiggins and Keith Robinson sit down with Pete Mills — senior vice president of residential policy and industry engagement at the Mortgage Bankers Association (MBA) — to discuss the housing affordability crisis in today’s complex real estate market.

VA loan

Housing Wire

APRIL 15, 2025

TRILLION in loans funded in the United States and over 5 million mortgages. “ My husband then proceeded to calculate everyone I knew’s ownership of the mortgage industry to demonstrate to me the vastness of the opportunity. What if we, as an industry, started highlighting how easy it is to buy a house?

VA loan

HomeLight

JULY 29, 2025

There are a lot of agents in the industry who follow the path that ignorance is bliss. Be aware of minimum property standards for certain loans You never know whether your best offer will come from a cash buyer or a buyer pre-qualified for a home loan. I prefer to get ahead of things.

As-is

Housing Wire

JANUARY 17, 2025

The Federal Housing Finance Agency (FHFA) initially planned to finish gathering industry feedback on the change to a bi-merge system by the second quarter of 2023, and was set to implement a bi-merge system in the first quarter of 2024. In a section offering a proposed implementation timeline, these are listed as TBD.

VA loan

Marco Santarelli

JULY 30, 2025

FHA and VA Loan Rates: What You Should Know Government-backed loans through FHA and VA programs often present lower initial rates or easier qualifying criteria: FHA 30-year fixed rate dropped significantly to 6.00% (down 1.40%), a notable decrease likely to attract more buyers. through late 2025.

Mortgages

Housing Wire

NOVEMBER 20, 2023

The Department of Veterans Affairs (VA) is pausing foreclosures on homes financed with VA loans for six months to help military borrowers in danger of losing their homes, a department spokesperson said in a statement to HousingWire on Monday.

VA loan