FHFA says GSE foreclosure prevention actions fell in May

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HousingWire reports that refi volume fell 29.9% as the average 30-year fixed rate rose to 6.44%, according to FHFA data. The decline in foreclosure prevention actions follows the broader cooling in refinance activity, with higher rates squeezing the pipeline of borrowers who might otherwise restructure their mortgages to avoid default. The figures reflect a market where traditional rate-and-term solutions have become harder to access for homeowners under pressure.

For investors and self-employed borrowers navigating this environment, the constraints on conventional refinancing create a different set of strategic questions. loantrust.ai works across this landscape with programs designed for circumstances that standard GSE channels often cannot accommodate: DSCR loans that qualify on property cash flow rather than personal income, bank-statement programs for self-employed borrowers, and bridge, fix-and-flip, and new-construction financing for investors repositioning assets. Each file is packaged by one licensed MLO, not routed through a call center, which means the structure of the loan is built around the specific deal rather than a generic workflow.

The shift matters because it signals who retains options when the mainstream channel narrows. A borrower with complex income documentation or an investor holding transitional property still needs liquidity, still needs to move, and still needs a financing structure that reflects the actual economics of the deal. loantrust.ai operates directly in this space as a dedicated partner rather than a transactional call center, with programs that match the borrower's situation to the capital source rather than forcing the reverse.