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Articles about FHA


Residential | July 2014 
Call It a Comeback
As has been widely reported by the Mortgage Bankers Association, mortgage applications took quite a hit this past first quarter. At one point this past February, purchase applications fell to their lo...
By Michael Mekler, mortgage adviser, Samuel Scott Financial Group

Residential | July 2014 
Is Private Capital Returning to the Market?
About six years ago, the government-sponsored enterprises (GSEs) were placed into conservatorship, making their future uncertain, to say the least. Building on the Corker-Warner Housing Finance Refo...
By Lisa M. Weaver, senior vice president of mortgage solutions, ISGN

Residential | June 2014 
FHA Loans: Good for Buyers, Good for Business
One of the welcome by-products of the recovering economy is its enabling of many consumers to once again realize their dreams of homeownership. For many mortgage bankers and brokers, Federal Housing A...
By Marianne Mainardi, chief operating officer, Ditech Mortgage Corp. (ditech)

Residential | June 2014 
Government-Backed Loans: The Big Three
In today’s mortgage environment, homebuyers have two primary choices for financing residential properties — conventional loans and government-backed loans. Conventional mortgages are those underwritte...
By Nicole Hamilton, founder and CEO, Tactile Finance

Residential | June 2014 
Clearing the Way for Electronic Signatures
Technology has long been a boon to the origination process, and Federal Housing Administration (FHA) loans are no exception. More specifically, a recent procedural change from the FHA could dramatical...
By Jeff Knott, assistant vice president, Equifax Verification Services

Residential | February 2014 
Tapering Expectations for 2014
Will the Federal Reserve taper off its quantitative-easing (QE) policy that has bolstered home values and kept mortgage interest rates low? Will new regulations brought by the Dodd-Frank Wall Street R...
By Rick Tobin, real estate financier, First Financial Bancorp

Commercial | January 2014 
Be Prepared to Avoid HUD Surprises
In recent years, multifamily and health-care property developers have flocked to loan-insurance programs run by the U.S. Department of Housing and Urban Development (HUD) as traditional financing opti...
By Denise Troeschel, senior vice president and co-chief underwriter, Love Funding

Residential | January 2014 
Court Is Now in Session
The underwriting process can be similar to a court case: Industry standards are the plaintiff, the consumer is the defendant, the loan officer is the attorney and the underwriter is the judge. Under...
By Markita Smith, CEO, Nu Source Lending

Residential | November 2013 
You’ve Got Choices in Reverse
In the past few years, there have been many changes that influenced how mortgage brokers and originators work with reverse mortgages, aka Home Equity Conversion Mortgages.  For example, until 2009, lo...
By Philip E. Lipp, president, Allwest Mortgage

Residential | December 2013 
Weaving Your Way Through What’s Next for the Industry
This past year has been a riveting ride for the mortgage industry. Changes in the economy, surging home prices and shifting government regulations have all come together to reshape the lending landsca...
By Ray Brousseau, president, Carrington Mortgage Services LLC

Commercial | December 2013 
Rise Above the Rest With FHA Financing
In today’s market, there is a multitude of commercial real estate financing options, which include government-sponsored enterprises, bond financing, insurance companies and the U.S Department of Housi...
By Gabe Seghi, vice president, Housing and Healthcare Finance

Residential | April 2012 
Another Tool for Your Business
Many mortgage brokers are reluctant to originate 203(k) loans, if only because of the loan’s construction component. Some brokers hear the word “construction” and immediately think of architects, con...
By John Izzolino, senior loan officer, Omega Financial Services Inc.

Residential | April 2011 
The FinePrint
In last month’s FinePrint column (, I wrote about the government’s yet-to-be-announced proposals for housing reform. Since then, the administration’s proposal was released with the title...
By Richard Smith, loan originator, Churchill Mortgage

Residential | December 2012 
Keep an Eye on Changing Short-Sale Trends
Things are changing in the world of short sales. In an attempt to streamline the short-sale process for Fannie Mae and Freddie Mac mortgages, the Federal Housing Finance Agency (FHFA) issued new guide...
By Cory Boatright, founder,

Residential | June 2013 
Collaborate and Conquer
Wholesale mortgage account executives wear many hats. Among other functions, they often act as relationship builders, educators and liaisons. One important yet often underutilized role that account ex...
By Al Crisanty, vice president of national wholesale production, 360 Mortgage Group


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