{"id":63068,"date":"2026-05-19T03:00:14","date_gmt":"2026-05-19T01:00:14","guid":{"rendered":"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/"},"modified":"2026-05-19T03:00:14","modified_gmt":"2026-05-19T01:00:14","slug":"fha-turns-attention-to-the-flipping-rule-and-avms","status":"publish","type":"post","link":"https:\/\/housesmarketplace.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>","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-63068","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.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\" \/>\n<meta property=\"og:description\" content=\"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 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/housesmarketplace.com\/ru\/fha-turns-attention-to-the-flipping-rule-and-avms\/\" \/>\n<meta property=\"og:site_name\" content=\"Houses Marketplace\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-19T01:00:14+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 \u043c\u0438\u043d\u0443\u0442\u044b\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/housesmarketplace.com\/#website\",\"url\":\"https:\/\/housesmarketplace.com\/\",\"name\":\"Houses Marketplace\",\"description\":\"International Real Estate\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/housesmarketplace.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ru-RU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/#webpage\",\"url\":\"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/\",\"name\":\"FHA turns attention to the \u2018flipping rule\u2019 and AVMs - Houses Marketplace\",\"isPartOf\":{\"@id\":\"https:\/\/housesmarketplace.com\/#website\"},\"datePublished\":\"2026-05-19T01:00:14+00:00\",\"dateModified\":\"2026-05-19T01:00:14+00:00\",\"author\":{\"@id\":\"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d\"},\"breadcrumb\":{\"@id\":\"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/#breadcrumb\"},\"inLanguage\":\"ru-RU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/housesmarketplace.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FHA turns attention to the \u2018flipping rule\u2019 and AVMs\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/housesmarketplace.com\/#personlogo\",\"inLanguage\":\"ru-RU\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/housesmarketplace.com\/ru\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"FHA turns attention to the \u2018flipping rule\u2019 and AVMs - Houses Marketplace","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/housesmarketplace.com\/ru\/fha-turns-attention-to-the-flipping-rule-and-avms\/","og_locale":"ru_RU","og_type":"article","og_title":"FHA turns attention to the \u2018flipping rule\u2019 and AVMs","og_description":"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 […]","og_url":"https:\/\/housesmarketplace.com\/ru\/fha-turns-attention-to-the-flipping-rule-and-avms\/","og_site_name":"Houses Marketplace","article_published_time":"2026-05-19T01:00:14+00:00","twitter_card":"summary_large_image","twitter_misc":{"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c":"admin","\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f":"3 \u043c\u0438\u043d\u0443\u0442\u044b"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/housesmarketplace.com\/#website","url":"https:\/\/housesmarketplace.com\/","name":"Houses Marketplace","description":"International Real Estate","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/housesmarketplace.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"ru-RU"},{"@type":"WebPage","@id":"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/#webpage","url":"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/","name":"FHA turns attention to the \u2018flipping rule\u2019 and AVMs - Houses Marketplace","isPartOf":{"@id":"https:\/\/housesmarketplace.com\/#website"},"datePublished":"2026-05-19T01:00:14+00:00","dateModified":"2026-05-19T01:00:14+00:00","author":{"@id":"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d"},"breadcrumb":{"@id":"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/#breadcrumb"},"inLanguage":"ru-RU","potentialAction":[{"@type":"ReadAction","target":["https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/housesmarketplace.com\/fha-turns-attention-to-the-flipping-rule-and-avms\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/housesmarketplace.com\/"},{"@type":"ListItem","position":2,"name":"FHA turns attention to the \u2018flipping rule\u2019 and AVMs"}]},{"@type":"Person","@id":"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d","name":"admin","image":{"@type":"ImageObject","@id":"https:\/\/housesmarketplace.com\/#personlogo","inLanguage":"ru-RU","url":"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/housesmarketplace.com\/ru\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/posts\/63068","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/comments?post=63068"}],"version-history":[{"count":0,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/posts\/63068\/revisions"}],"wp:attachment":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/media?parent=63068"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/categories?post=63068"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/tags?post=63068"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}