Government Loans - Scotsman Guide

Government Loans

HUD issues — then withdraws — notice of sweeping reorganization

Luke Baynes

Withdrawn document comes after pared down budget proposal, staffing reductions

Government Loans

HUD issues — then withdraws — notice of sweeping reorganization

Luke Baynes

Withdrawn document comes after pared down budget proposal, staffing reductions

Latest Updates

USDA restructuring threatens rural mortgage overhaul, CHLA cautions

FHA proposes overhaul of partial claim framework

Small-dollar mortgages face structural barriers as housing bill seeks to expand access

CHLA says direct payments may be ‘only way’ to incentivize small-dollar FHA loans

Mortgage credit access falls to six-month low in June

ROAD to Housing Act becomes law, without Trump’s signature

After Trump order, HUD reviewing industry input on ‘dated’ property requirements

10-day decision clock is ticking as housing bill reportedly delivered to Trump

10-day decision clock is ticking as housing bill reportedly delivered to Trump.

10-day decision clock is ticking as housing bill reportedly delivered to Trump

The president could choose to sign or veto the bill. The legality of a ‘pocket veto’ is less clear

Congress passes housing affordability bill in bipartisan milestone.

Congress passes housing affordability bill in bipartisan milestone

Following months of debate and revisions, the 21st Century ROAD to Housing Act now awaits President Trump’s signature

HUD continues FHA single-family streamlining with 14 new policy changes.

HUD continues FHA single-family streamlining with 14 new policy changes

Since start of Trump administration in 2025, 150 actions have now been taken on FHA’s single-family program

President's desk in sight for ROAD to Housing Act as Senate passes landmark bill.

President’s desk in sight for ROAD to Housing Act as Senate passes landmark bill

Departing FHA commissioner on his achievements, and the road ahead

Finalized VA loss mitigation and partial claim policies praised by industry groups

NAMB pushes policy priorities as ROAD to Housing Act trudges forward.

NAMB pushes policy priorities as ROAD to Housing Act trudges forward

FHA affirms tri-merge requirement for FICO 10T, VantageScore 4.0 rollouts

HUD oversight failure threatens mass reverse mortgage default.

HUD oversight failure threatens mass reverse mortgage default, $250 million FHA payout

Mortgage delinquencies continue steady rise in first quarter

Mortgage delinquencies continue steady rise in first quarter

Concentration risk emerging among newer vintage loans, FHA borrowers.

Concentration risk emerging among newer vintage loans, FHA borrowers

HUD eases environmental guidelines for FHA's multifamily underwriting

HUD eases environmental guidelines for FHA’s multifamily underwriting

HUD moves to roll back gender identity protections for federal housing programs

HUD, USDA rescind Biden-era energy efficiency mandate.

USDA, HUD rescind Biden-era energy efficiency mandate

Ginnie Mae changes reporting policy following spike in FHA delinquency numbers

MBA recommends eight ways HUD can improve multifamily MI in Opportunity Zones

Foreclosure inventory hits six-year high in March

Foreclosure inventory reaches highest level since 2020

Foreclosure auction volumes hit six-year high during the first quarter of 2026.

Foreclosure auction volumes hit six-year high, signaling post-pandemic normalization

FHFA, HUD greenlight updated credit score models for federally backed mortgages

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