Housing Wire

MARCH 5, 2025

The move in government refinances was driven by a 75% increase in VA loans, which have been prone to large changes in recent months. On-the-ground observations Loan officers say they’re seeing an increase in government loan demand. Certain geographic areas have higher shares of government loans.

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Loan Officer Loans VA loan FHA loan 339

Housing Wire

OCTOBER 20, 2022

” The post Voxtur rolls out attorney opinion letters for VA loans appeared first on HousingWire. The industry group has also said alternatives to title insurance “pose an even greater risk to the housing finance system.”

VA loan 418

VA loan Loans Title Land 418

Housing Wire

DECEMBER 18, 2024

Meanwhile, government loan activity increased across all loan types, excluding U.S. Department of Veterans Affairs (VA) loans. VA loan activity fell 100 bps to 15.3% including a large decrease in VA refi application volume. Department of Agriculture (USDA) loans increased 10 bps to 0.5%.

VA loan 395

VA loan Mortgages FHA loan Loans 395

Housing Wire

FEBRUARY 11, 2022

The VA loan is an important financing tool for VA-eligible borrowers to achieve their homeownership dream. In 2021 one in two VA borrowers was a first-time homebuyer (FTHB). . The average VA FTHB’s interest rate was 2.90% and the quarterly FTHB VA purchase loan volume stayed elevated.

VA loan 397

VA loan Loans Lending Finance 397

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 335

VA loan FHA loan Mortgages Loans 335

Housing Wire

MARCH 13, 2025

By loan type, conventional mortgages made up 56.7% FHA loans had a share of 32.1%, followed by U.S. Department of Veterans Affairs (VA) loans at 10.6%, and U.S. Department of Agriculture (USDA) loans at 0.6%. The average loan size declined from $403,416 in January to $397,516 in February. of applications.

FHA loan 367

FHA loan VA loan Mortgages Loans 367

Housing Wire

DECEMBER 11, 2024

Government loan activity saw a slight jump. Department of Veterans Affairs (VA) loans followed suit, jumping 270 bps to 16.3% Department of Agriculture (USDA) loans were flat at 0.4%. MBA’s report also examined the average contract interest rates for several loan types. of all applications.

As-is 397

As-is VA loan Mortgages Loans 397

Housing Wire

NOVEMBER 11, 2024

of the loan amount) compared to the VA’s purchase, construction and cash-out refi options. To qualify, borrowers must have a current VA loan that is in good standing and must have previously used their VA entitlement. The product has a lower funding fee (0.5%

Closing costs 368

Closing costs Loans Closing VA loan 368

Housing Wire

DECEMBER 17, 2024

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% The average loan size for new homes decreased to $402,873, down from $409,942 in October. from the 56,000 sales in October. in November.

FHA loan 397

FHA loan VA loan Mortgages Loans 397

Keeping Current Matters

MAY 27, 2024

For over 80 years, Veterans Affairs (VA) home loans have helped millions of veterans buy their own homes.

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VA loan Loans 355

Keeping Current Matters

NOVEMBER 10, 2023

VA home loans can help people who served our country become homeowners.

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VA loan Loans 356

Housing Wire

APRIL 8, 2025

These loans, including jumbo and non-qualified mortgage offerings, accounted for 16.8% Conforming loan share fell to 51%, FHA volume dropped to 19.6%, and VA loans edged up slightly to nearly 12%. of total lock volume.

Loans 343

Loans Debt-to-income ratio VA loan FHA loan 343

Housing Wire

APRIL 18, 2025

By product type, conventional loans composed 49.0% of loan applications, FHA loans composed 37.0%, RHS/ USDA loans composed 0.9% and VA loans composed 13%. The average loan size for new homes decreased from $397,516 in February to $381,921 in March.

VA loan 221

VA loan FHA loan Mortgages Loans 221

Housing Wire

APRIL 2, 2025

Assumable mortgages let buyers take over a sellers loan, with Federal Housing Administration (FHA) and Veterans Affairs (VA) loans about one-third of all U.S. Roam gives Americans the tools to save themselves from the increasing disconnect between what families can afford and what the median home sells for in this market.

Mortgages 341

Mortgages VA loan Loans Closing 341

Housing Wire

DECEMBER 21, 2023

Unfortunately, too many misconceptions persist among real estate and even mortgage industry professionals about the VA home loan, and those misconceptions have big (and negative) impacts. Earlier in my life, I was directed away from using a VA loan when I purchased my first home. REALITY: There is no limit.

Loans 468

Loans VA loan Mortgages Lending 468

Housing Wire

MAY 21, 2024

VA policy states that while a veteran is allowed to use a buyer broker to purchase a home using their VA loan benefit, they “may not under any circumstances, be charged a brokerage fee or commission in connection with the services of such individuals.”

VA loan 523

VA loan Agents Loans MLS 523

Housing Wire

MAY 5, 2025

Foreclosure activity is edging up, with 213,000 loans in active foreclosure at the end of Q1 2025 a 4% rise from a year ago and the first annualized increase in nearly two years. VA foreclosures surged 54% after a moratorium ended , while FHA foreclosures rose 11%.

Lending 377

Lending FHA loan VA loan Loans 377

Keeping Current Matters

NOVEMBER 9, 2023

For more than 79 years, Veterans Affairs (VA) home loans have helped millions of veterans buy their own homes.

VA loan 357

VA loan Loans 357

Housing Wire

MAY 2, 2025

Jennifer Beeston has been a top 1% loan originator for over 7 years and is currently ranked as the #1 VA Loan Officer in America. The opportunities are endless, whether it is social media or teaching a local seminar. This column does not necessarily reflect the opinion of HousingWires editorial department and its owners.

Agents 320

Agents Loan Officer VA loan Loans 320

Housing Wire

FEBRUARY 12, 2025

The average loan size for a purchase application increased to its highest level since March 2022 at $456,100, partially driven by fewer FHA purchase applications but more VA loans compared to the previous week. the week prior and the VA share of total applications increased to 14.6% of total applications. from 16.2%

Fixed-rate mortgage 300

Fixed-rate mortgage Mortgages VA loan Loans 300

Housing Wire

NOVEMBER 8, 2021

This is an absolute must, especially in the market right now as it gives the lender an opportunity to fill the listing agent in on the buyer’s background and how the VA loan process works,” Pascoe explained. There remains a belief among listing agents and their clients that the VA appraisal and closing process will be a hassle.

VA loan 418

VA loan Agents Pre-approval Debt-to-income ratio 418

Keeping Current Matters

NOVEMBER 11, 2024

For over 79 years, Veterans Affairs (VA) home loans have helped countless Veterans achieve the dream of homeownership.

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VA loan Loans 316

Housing Wire

NOVEMBER 8, 2024

Sears cited the trade group’s efforts in advocating for changes in VA loan procedures. Department of Veterans Affairs can still use their loan benefit when working with a buyer’s agent regardless of how their agent is being compensated. “So, as I look to 2025 and where we want to go, it is to stick to the basics.

VA loan 370

VA loan Commercial Staging Loans 370

Housing Wire

NOVEMBER 10, 2023

In September, government-insured FHA loans represented a little over 15% of U.S. Meanwhile, military VA loans represented 6.3% Conventional loans remain the most common type of mortgage, making up over 75% of all loans. In cities with a notable military presence, VA loans have high usage.

FHA loan 468

FHA loan VA loan Mortgages Loans 468

Housing Wire

JUNE 11, 2024

Department of Veterans Affairs (VA) on Tuesday issued a temporary fix that will allow homebuyers using VA loans to pay for their real estate agent’s commission — i.e., the buyer-broker fee. ” The VA also clarified that veterans can still ask sellers to cover these fees.

VA loan 523

VA loan Loans Brokerage MLS 523

Housing Wire

NOVEMBER 16, 2020

VA loans are mortgage loans that are guaranteed by the Department of Veterans Affairs. Only homebuyers who are military veterans, current military members or their spouses can qualify for a VA loan. Like VA loans, USDA loans require no down payment. Minimum down payment: Zero.

VA loan 501

VA loan FHA loan Mortgages Loans 501

Housing Wire

NOVEMBER 4, 2024

But for first-time and other cash-strapped buyers—those who are not relying on the proceeds of a home sale, who may be using a 100% financed VA loan, whose agents may be layering forms of assistance to put together enough cash for closing—knowing in advance about the seller’s contribution to their agent costs may be essential.

Debt-to-income ratio 321

Debt-to-income ratio Agents VA loan MLS 321

Housing Wire

JANUARY 3, 2023

My hope is that many of the features and policies that have made the VA loan the safest mortgage in the U.S. While I’m a fan of improving antiquated systems, I first wonder if the VA, the MBA, or Congress were open enough about the problems with the current system.

VA loan 83

VA loan Loans HR Due diligence 83

Housing Wire

APRIL 23, 2025

Customers have an average FICO score of 736, and loan-to-value ratios averaged 52%. Johnson said the company “doesnt try to forecast overall consumer credit cycles.” ” Mr.

VA loan 362

VA loan Equity Loans Mortgages 362

Housing Wire

SEPTEMBER 1, 2020

VA loans may need protection now more than ever as a recent report on Department of Veterans Affairs data revealed VA loans rose 114% through the first three quarters of fiscal year 2020 compared to the same period last year.

VA loan 501

VA loan Mortgages Loans Lending 501

Housing Wire

DECEMBER 3, 2023

in October, also a series high, while the average among FHA and VA loans hit 45.5% for FHA loans and 44.5% for VA loans. Lenders have responded by tightening credit requirements and the average credit score among conventional, FHA and VA loans. and 44.4%, respectively.

Equity 468

Equity VA loan FHA loan Mortgages 468

Housing Wire

NOVEMBER 7, 2023

In the aftermath, one of the most contentious issues in the minds of mortgage professionals is how the ruling might affect FHA and VA mortgage borrowers. FHA loans are a popular option for first-time homebuyers or those who don’t have a lot of cash saved for a down payment, because the loans require a minimum of 3.5%

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VA loan Agents Seller concession FHA loan 482

Housing Wire

OCTOBER 25, 2024

Department of Veterans Affairs (VA) would be disadvantaged. Previously, under VA policy, although a veteran was allowed to use a buyer broker to purchase a home using their VA loan benefit, they could “not under any circumstances, be charged a brokerage fee or commission in connection with the services of such individuals.”

VA loan 448

VA loan Purchase and sale agreement Loans Agents 448

Housing Wire

APRIL 24, 2025

The VAs Trial Payment Plan (TPP), which allows borrowers to demonstrate their ability to make a modified monthly payment, will be allowed to continue through Aug. Servicers must report the completion status of TPPs in the VA Loan Electronic Reporting Interface (VALERI) by Aug. 31, the circular explained.

Industrial 312

Industrial Mortgages VA loan Loans 312

Housing Wire

NOVEMBER 7, 2023

Unfortunately, too many veterans, as well as too many real estate professionals, don’t have the understanding they need to successfully utilize VA loans. Throughout his career, Smith had the opportunity to train over 228,000 real estate agents and consumers on the benefits of VA mortgage products.

Lending 428

Lending VA loan Loans Mortgages 428

Housing Wire

JUNE 5, 2024

Department of Veterans Affairs (VA) loan applications. “After adjusting for the Memorial Day holiday, both purchase and refinance application volumes were down, with purchase activity specifically 13% below last year’s level.” Fratantoni noted that government purchase volume was down less, aided by growth in U.S. the previous week.

VA loan 480

VA loan Mortgages Fixed-rate mortgage Loans 480

Housing Wire

MARCH 27, 2024

But the VA’s current policies place veterans at a “significant disadvantage” compared to other buyers, NAR President Kevin Sears said in a letter submitted Wednesday to John Bell, executive director of VA’s Loan Guaranty Service. VA loans are probably the best loans on the market.

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VA loan Loans Principal Mortgages 476