The Federal Housing Administration (FHA) is considering a new approach to documenting and servicing partial claims and Payment Supplements. On July 20, 2026, FHA published a draft Mortgagee Letter proposing a Reinstatement Advance Payment (RAP) Demonstration for stakeholder review and feedback. If finalized, the demonstration would provide FHA-approved mortgagees with an alternative to the separate […]
Mortgage lenders and servicers continue to respond to shifting borrower needs, emerging technologies, and changes in government and investor programs. These developments can create opportunities to expand product offerings and improve efficiency, but they can also introduce new documentation, disclosure, compliance, and operational considerations. Here are five trends influencing mortgage compliance in 2026 and the […]
After two years of constrained origination volume, lenders are actively looking for new paths to revenue and borrower access. One area gaining renewed attention: mortgage assumptions. In today’s rate environment, assumptions offer a compelling alternative, allowing borrowers to take over existing loans with below-market interest rates, creating opportunities in an otherwise challenging housing market. What is a mortgage […]
How Servicers Can Operationalize the New Requirements ONAP Establishes Permanent Loss Mitigation Framework HUD’s Office of Native American Programs (ONAP) has issued permanent loss mitigation requirements for loans guaranteed under the Section 184 Indian Housing Loan Guarantee and Section 184A Native Hawaiian Housing Loan programs. Published in Lender Letter 2026-03, the framework replaces prior COVID-era […]
By Jonas Hoerler, Chief Regulatory Counsel, RegCheck & Diane Jenkins, Partner, Sandler Law Group Internal defenses aren’t enough. Today’s fraudsters target your customers’ trust just as much as your So far calendar year 2025 has brought with it some of the most significant changes to residential mortgage compliance the industry has seen in many years. […]
