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🐽 RSL Spotlight: Major Mortgage Policy Changes in Trump's First 100 Days

The first 100 days of the Trump presidency brought sweeping changes to the mortgage and housing landscape. From borrower eligibility shifts to consumer protection rollbacks, the administration prioritized deregulation and agency realignment across multiple fronts.


ReadySetLoan is here to break it all down so buyers, homeowners, and housing professionals can stay informed.


🏛️ Key Mortgage and Housing Policy Changes:


🐷 CFPB Enforcement Scaled BackThe Consumer Financial Protection Bureau (CFPB) reduced several enforcement actions while continuing core operations. A federal court also temporarily blocked efforts to cut staff significantly.


🐷 Borrower Policy Revisions

  • The FHA reversed an appraisal review policy enacted during the Biden administration.

  • The FCC delayed rules restricting auto-dialed marketing calls.

  • The CFPB paused protections, including a rule that would remove medical debt from credit reports.


🐷 Government-Backed Loan Eligibility TightenedStarting in May, FHA and USDA will no longer allow certain non-citizen borrowers—including DACA recipients and work visa holders—to apply for new loans.


🐷 Loan Relief and Mitigation Changes

  • The VA’s loan relief option (VASP) will sunset on May 1.

  • The FHA’s temporary modification program is scheduled to phase out by September.


🐷 Reduced Oversight and Renter Protections

  • The FHFA scaled back protections for renters in government-backed housing.

  • The CFPB may eliminate its registry that tracks repeat nonbank financial offenders.


🐷 Relaxed Building and Development StandardsBoth HUD and FHFA paused elevation and energy-efficiency mandates, citing the rising cost burden on builders and developers.


🏁 RSL Perspective

These changes affect borrowers, renters, and professionals alike, and understanding them is crucial—especially for first-time buyers or those exploring government-backed loans. ReadySetLoan is your go-to partner for staying ahead of the policy curve. We're here to break down complex shifts into actionable knowledge.


🏠 Want help navigating these changes?


Visit ReadySetLoan.com—your mortgage education partner from start to finish.



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