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Industry News


Results 1 - 10 of 3023

HUD provides $1.8M to support housing for those aging out of foster care

Posted Date: Thursday, May 8, 2025

The Department of Housing and Urban Development will invest $1.8 million in the department’s Foster Youth to Independence program to help more than 100 youth aging out of the foster care system secure housing.

Industry News

Mortgage credit availability plateaus

Posted Date: Thursday, May 8, 2025

Mortgage credit availability remained unchanged in April after a sizable increase in March, according to a report from the Mortgage Bankers Association.

Industry News

White paper details MSR challenges in uncertain market

Posted Date: Monday, May 5, 2025

Uncertainty and volatility in the current market are proving a challenge for determining a strategy for mortgage servicing rights (MSR), according to MSR Pricing & Analytics Managing Director Mark Garland. He is featured in a recent MSR white paper by SitusAMC.

Industry News

President’s budget proposal includes cutting $33.6B in HUD funding

Posted Date: Monday, May 5, 2025

President Donald Trump’s recommendations on discretionary funding levels for fiscal year 2026 include cutting $33.6 billion in funding for the Department of Housing and Urban Development, including 43 percent of grant funding for the department’s rental assistance programs.

Industry News

Fannie Mae to sell non-performing loans to reduce mortgage portfolio

Posted Date: Monday, May 5, 2025

Fannie Mae recently announced its latest sale of non-performing loans as part of the company's ongoing effort to reduce the size of its retained mortgage portfolio.

Industry News

UMW partners with ICE Mortgage to bring servicing in-house

Posted Date: Thursday, May 1, 2025

United Wholesale Mortgage (UWM) signed an agreement with Intercontinental Exchange (ICE) to license ICE Mortgage Technology’s MSP loan servicing system, allowing UMW to bring its mortgage servicing operations in-house.

Industry News

Pending home sales see largest monthly increase since 2023

Posted Date: Thursday, May 1, 2025

Pending home sales jumped 6.1 percent in March to 76.5, the largest month-over-month increase since December 2023, according to the National Association of Realtors. Signed contracts and housing inventory levels also rose.

Industry News

Mandatory MFA implemented for FHA Connection

Posted Date: Thursday, May 1, 2025

The Federal Housing Administration implemented a new multi-factor authentication for its FHA Connection system designed to resist phishing scams. The security measure is part of the FHA’s larger strategy to maintain secure lender, borrower, and stakeholder data.

Industry News

Additional funding to expand HUD program for Native American veterans

Posted Date: Monday, April 28, 2025

The Department of Housing and Urban Development (HUD) earmarked $2.2 million in new funding for the Tribal HUD-Veterans Affairs Supportive Housing program, which provides housing assistance for Native American veterans who are or are at risk of becoming homeless.

Industry News

Mortgage application payments dropped in March

Posted Date: Monday, April 28, 2025

Homebuyer affordability improved in March, with the national median payment applied for by purchase applicants dropping 1.4 percent month-over-month, according to Mortgage Bankers Association data.

Industry News
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Monthly Newsletter

RESPA News Monthly
May 2025

Cover Story:

CFPB asks to vacate settlement with Townstone, citing misconduct by CFPB


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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