{"id":63043,"date":"2026-05-19T03:07:05","date_gmt":"2026-05-19T01:07:05","guid":{"rendered":"https:\/\/housesmarketplace.trio-tv.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/"},"modified":"2026-05-19T03:07:05","modified_gmt":"2026-05-19T01:07:05","slug":"fha-turns-attention-to-the-flipping-rule-and-avms","status":"publish","type":"post","link":"https:\/\/housesmarketplace.trio-tv.com\/ru\/fha-turns-attention-to-the-flipping-rule-and-avms\/","title":{"rendered":"FHA turns attention to the \u2018flipping rule\u2019 and AVMs"},"content":{"rendered":"
\n

The \u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u043e\u0435 \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0435 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435<\/strong> (\u0424\u0410\u0421<\/a>) would like to review its anti-flipping rule and reforms to automated valuation models (AVMs), according to Matt Jones, deputy assistant secretary for the FHA\u2019s Office of Single-Family Housing.<\/p>\n

\u201cWe think our AVM<\/a>, our valuation technology, has improved significantly since that rule was put in place a couple decades ago,\u201d Jones said. \u201cWe\u2019d like to take a look at getting rid of that in its entirety. Obviously, that\u2019s a rulemaking process, so it takes a fair runway to get there, but we think that\u2019ll be very positive for housing supply if we can get there.\u201d<\/p>\n

Jones, who spoke Monday during the \u0410\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u044f \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u0438\u0440\u043e\u0432<\/strong> (\u041c\u0412\u0410<\/a>)\u2019s Secondary and Capital Markets conference in New York, said that the FHA is the only program that still enforces the anti-flipping<\/a> rule, which prohibits buyers from using an FHA-insured loan to purchase a home that the seller has owned for 90 days or less. \u201cWe\u2019d love to take a look at\u201d the rule, he said.<\/p>\n

According to Jones, these changes would help boost housing supply. The same goal was behind recent prohibitions for non-residents<\/a> participating in the FHA program \u2014 a move that follows a fivefold increase in demand from these borrowers during the Biden administration, he added.<\/p>\n

Another recent change occurred a few weeks ago when the FHA abandoned the International Energy Conservation Code<\/a>, which would have added between $20,000 and $30,000 in construction costs per home, Jones said.<\/p>\n

\u201cWhen we\u2019re talking about how can we help with housing supply, a lot of it starts with eliminating things that actively had harmed the ability to develop and build housing supply,\u201d Jones said.<\/p>\n

Overall, Jones stated that the FHA is generally on track with last year\u2019s endorsement levels.<\/p>\n

On the affordability side, he said the FHA has another round of rescissions coming to address the cost structure of originations, specifically under a recent executive order from President \u0414\u043e\u043d\u0430\u043b\u044c\u0434 \u0422\u0440\u0430\u043c\u043f<\/a>. Topics under review include appraisal standards<\/a>, wet signature requirements, e-signatures and post-closing quality control (QC) evaluations.<\/p>\n

Loss mitigation and delinquencies<\/h2>\n

According to Jones, the COVID-19 pandemic brought an urgent need to overhaul the agency\u2019s loss-mitigation program, creating a \u201cband-aid problem\u201d that was never sunset: an increased use of rolling 90-day partial claims.<\/p>\n

The FHA\u2019s December Mutual Mortgage Insurance report<\/a> showed that 41% of new partial claims were given to borrowers who had already received three or more partial claims. In total, 36,000 borrowers have been in and out of serious delinquency<\/a>, which exacerbates housing supply problems and servicing costs, he added.<\/p>\n

In October, the FHA implemented a rule stating that borrowers get one more opportunity for a home retention option. After that, they must be evaluated and prove they are capable of making the revised payments through a trial payment plan to qualify for another option.<\/p>\n

\u201cBecause there is a lag between when they\u2019re evaluated and when they ultimately would receive a home retention option, there\u2019s that multi-month lag in the data where they\u2019re reporting still as seriously delinquent; according to what we\u2019ve seen, almost the entire amount of that increase in serious delinquency is attributable to that policy change,\u201d Jones said. <\/p>\n

\u201cWe are starting to see, though, and we think this is a positive indicator, the 30 (days) and 60 (days delinquency rates) are starting to improve.\u201d<\/p>\n

The policy change, according to Jones, saves taxpayers $2 billion by driving a change in borrower behavior.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

The Federal Housing Administration (FHA) would like to review its anti-flipping rule and reforms to automated valuation models (AVMs), according to Matt Jones, deputy assistant secretary for the FHA\u2019s Office of Single-Family Housing. \u201cWe think our AVM, our valuation technology, has improved significantly since that rule was put in place a couple decades ago,\u201d Jones […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-63043","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nFHA turns attention to the \u2018flipping rule\u2019 and AVMs - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/fha-turns-attention-to-the-flipping-rule-and-avms\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FHA turns attention to the \u2018flipping rule\u2019 and AVMs - 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