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“The term ‘lawful residency’ pre-dates DACA and thus did not anticipate a situation in which a borrower might not have entered the country legally, but nevertheless be considered lawfully present. To avoid confusion and provide needed clarity to HUD’s lending partners, FHA is waiving the above referenced FHA Handbook subsection in its entirety. In a subsequent update to the FHA Handbook the language will be removed.”
–From a HUD announcement clarifying FHA loan eligibility for DACA participants.

East Coast Housing Remains Vulnerable to Coronavirus Impact

Nearly a year after the onset of the coronavirus pandemic, housing markets in the Northeast and other parts of the East Coast remained most at risk during fourth quarter, said ATTOM Data Solutions, Irvine, Calif.

FHA to Permit DACA-Status Recipients to Apply for FHA-Insured Mortgages

HUD said yesterday it will permit individuals classified under the “Deferred Action for Childhood Arrivals” program (DACA) with the U.S. Citizenship & Immigration Service and are legally permitted to work in the U.S. to apply for mortgages backed by FHA.

Mortgage Applications Decrease in MBA Weekly Survey

With mortgage rates rising to a two-month high, mortgage applications fell last week, the Mortgage Bankers Association reported Wednesday in its Weekly Mortgage Applications Survey for the week ending January 15.

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“The term ‘lawful residency’ pre-dates DACA and thus did not anticipate a situation in which a borrower might not have entered the country legally, but nevertheless be considered lawfully present. To avoid confusion and provide needed clarity to HUD’s lending partners, FHA is waiving the above referenced FHA Handbook subsection in its entirety. In a subsequent update to the FHA Handbook the language will be removed.”
–From a HUD announcement clarifying FHA loan eligibility for DACA participants.

MBA: Share of Mortgage Loans in Forbearance Decreases to 5.37%

The Mortgage Bankers Association’s latest Forbearance and Call Volume Survey reported loans now in forbearance fell to 5.37% of servicers’ portfolio volume as of Jan. 10, compared to 5.46% the previous week. MBA estimates 2.7 million homeowners are in forbearance plans.