#loss-mitigation tag

fromwww.housingwire.com

FHA loan delinquencies: Is a perfect storm brewing?

According to the Mortgage Bankers Association Q4 2025 National Delinquency Survey, 4.26% of all mortgage loans were delinquent but not in foreclosure at the end of the year. But conventional loans had a near-record low level of delinquency at 2.89%, while FHA loans were past due at a much higher rate of 11.52% the highest delinquency rate (excluding the COVID period) since 2012.

Healthcare

Real estate

fromwww.housingwire.com

2 weeks ago

Ginnie Mae to pause counting FHA TPP loans as delinquent

Ginnie Mae will exclude FHA Trial Payment Plans from delinquency calculations due to rising rates, expecting normalization as new policies mature.

Real estate

fromwww.housingwire.com

2 months ago

VA urged to revise elements of proposed partial claim rules

VA Home Loan Program Reform Act establishes a new partial claim option for distressed borrowers, positioned as the seventh step in loss-mitigation procedures with retroactive eligibility to May 1, 2025.

Real estate

fromwww.housingwire.com

7 months ago

FHA extends loss-mitigation deadline for mortgage servicers

FHA replaced the pandemic-era loss-mitigation waterfall, added minor servicing changes, and set an Oct. 1 servicer deadline to protect the MMIF and taxpayers.

fromwww.housingwire.com

8 months ago

VA mortgage partial claim restoration faces timing challenges

President Donald Trump signed the VA Home Loan Program Reform Act in late July, adding a partial claim option to the VA's loss-mitigation waterfall. The move brings the VA's approach closer to that of the Federal Housing Administration (FHA) and the government-sponsored enterprises (GSEs), Fannie Mae and Freddie Mac. It replaces both a partial claim program that sunset two years ago and the Biden administration's Veterans Affairs Servicing Purchase (VASP)

US politics

#hud

fromwww.housingwire.com

8 months ago