Conventional 1% Down Program
Helping More Buyers Get Into Homes: Conventional 1% Down Program Buying a home is one of the biggest financial steps most people will ever take, but for many, saving up a large down payment is a real hurdle. If that…
Crypto Assets May Soon Count Toward Your Mortgage
FHFA Opens Door to Cryptocurrency in Mortgage Risk Assessments: What It Means for Borrowers and the Housing Industry In a move that could dramatically shift how we think about wealth in mortgage underwriting, the Federal Housing Finance Agency (FHFA) has…
Could Mortgage Lending Become the “Wild West” Again?
What the CFPB Layoffs Could Mean for Mortgage Brokers, Lenders, and Consumers The Consumer Financial Protection Bureau (CFPB) recently announced a staggering round of layoffs, letting go of nearly 90% of its staff. This move has set off alarm bells…
The Fed’s New Headache: Leverage in the Treasury Market
What happens when too much leverage enters the safest market in the world. The bond market is currently under scrutiny due to a complex and potentially risky strategy known as the "basis trade," which has amassed an estimated $800 billion…
FHFA Ends Support for Special Purpose Credit Programs (SPCP)
What It Means for Borrowers and the Industry In a significant policy shift, the Federal Housing Finance Agency (FHFA) has directed Fannie Mae and Freddie Mac to terminate their involvement in Special Purpose Credit Programs (SPCPs). The announcement, made end…
FHA Update: Non-Permanent Residents No Longer Eligible
Important FHA Loan Update The Federal Housing Administration (FHA) has issued an important policy update that will impact borrower eligibility for FHA-insured mortgages. Mortgagee Letter 2025-09, released on March 26, 2025, outlines a significant change to residency requirements for FHA…
Non-QM Loans Are on the Rise in PA and FL
What You Need to Know About These Flexible Financing Options In today’s shifting housing market, more borrowers are turning to non-QM (non-Qualified Mortgage) loans as a flexible alternative to traditional lending. Whether you're a real estate investor, self-employed borrower, or…
2025 FHFA Scorecard: A Look into the Future of Housing Finance
Promoting Equity, Sustainability, and Risk Management in Mortgage Finance The 2025 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions (CSS) outlines the Federal Housing Finance Agency’s (FHFA) objectives and assessment criteria for these pivotal institutions. As conservator, FHFA…
FHFA Announces Increased Conforming Loan Limits for 2025
Now Accepting Higher Loan Limits, Higher Possibilities In a significant move to bolster homeownership and accommodate rising property values, the Federal Housing Finance Agency (FHFA) has announced an increase in the conforming loan limits for Fannie Mae and Freddie Mac…
Will Mortgage Rates Drop After the Election?
The Real Connection Between Politics and Mortgage Rates As the 2024 U.S. election nears, discussions are heating up about its potential impact on mortgage rates. While some may anticipate a clear direction for rates after the election, the reality is…
