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- HUD cracks down on government-backed mortgages for illegal immigrants
HUD cracks down on government-backed mortgages for illegal immigrants
Plus: NAR keeps Clear Cooperation but adds a delayed-marketing option
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🌅 Happy Thursday! Today, we’re covering HUD’s crackdown on FHA mortgages, NAR’s latest MLS policy update, and Texas topping the affordability rankings.
Today's newsletter is 615 words — a 2.5-minute read.
1. HUD cracks down on government-backed mortgages for illegal immigrants
The Department of Housing and Urban Development (HUD) announced yesterday that non-permanent residents will no longer be eligible for Federal Housing Administration (FHA) mortgages.
The decision, set to take effect on May 25, is part of a broader initiative to prioritize American citizens in taxpayer-funded housing programs amid a significant rise in illegal immigration.
While current U.S. law already prohibits illegal immigrants from receiving FHA-backed loans, HUD’s latest policy aims to bolster enforcement and prevent potential program misuse.
2. NAR keeps Clear Cooperation but adds a delayed-marketing option
After months of internal debate, the National Association of Realtors (NAR) opted to retain its Clear Cooperation Policy, but added a new listing option that allows sellers to delay broader marketing of their properties.
This new option, called “delayed marketing exempt listings,” allows sellers to instruct their listing agents to postpone marketing of their properties for a period that is to be determined by individual MLSs. During this period, the seller and their agent can market the listing as they see fit.
The policy was released on March 25, 2025, and is effective immediately, with a required implementation deadline of September 30, 2025.
“NAR undertook a comprehensive review of [Clear Cooperation] as part of our efforts to ensure home sellers and home buyers have the information and flexibility they need to make decisions that work for them. These policy changes allow for greater choice for sellers in marketing their properties while considering buyers’ need to access information through MLSs.”
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3. Catch up quick
⚖️ HUD halts housing discrimination investigations in Texas. (ProPublica)
🏡 Affordable housing upgrades stalled by federal grant freeze. (Bloomberg)
🚨 GOP moves to censure Dallas Rep. Jasmine Crockett for "Governor Hot Wheels" remark. (Axios)
🕌 Texas AG opens investigation into East Plano Islamic Center development. (TexasAG)
☀️ Selling a house with solar panels? What to expect. (Realtor.com)
⚾ Fun read: Houston Astros kick off their season at Daikin Park today. (MLB)
4. Texas is the most affordable state
Several Texas cities ranked highly in a series of best-of lists compiled by rating and review website Niche, and the state as a whole was recognized as the most affordable in the country.
The Woodlands and Plano placed 2nd and 6th in this year’s best cities to live in America list, earning high marks for their public schools and the availability of jobs.
The Woodlands, Wichita Falls, and McAllen all ranked among the top 10 best cities to buy a house, while this year’s cities with the lowest cost of living in America list includes Brownsville in the No. 1 spot and seven other Texas towns in the top 25.
5. NAR revises its 2025 forecast downward
When the National Association of Realtors (NAR) released its 2025 housing market forecast in November, it was among the more optimistic voices. However, at its latest quarterly forecast summit last week, NAR revised its outlook downward.
Here’s a breakdown of NAR’s key revisions:
Metrics | 2025 original forecast | 2025 update |
|---|---|---|
Existing home sales | 7% - 12% | 6% |
Existing home sales total | 4.9 million | 4.3 million |
New home sales | 11% | 10% |
Median home price | 2% | 3% |
Mortgage rate | 6% | 6.4% |
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