News & Analysis as of August 16, 2025

Real Estate Transactions

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The term "mortgage" typically refers to a mortgage loan. A mortgage loan is a financing instrument where an individual or business borrows money to purchase property (usually real property) and... more +

Nevada Enacts the Uniform Mortgage Modification Act

Snell & Wilmer on 8/11/2025

The State of Nevada has enacted the Uniform Mortgage Modification Act (UMMA or the Act) as Assembly Bill 192, which will become effective on October 1, 2025. The UMMA was prepared by the National Conference of Commissioners...more

Los Angeles Wildfire Resources: What to do About Your Mortgage

Allen Matkins on 2/20/2025

As a Los Angeles-based firm, we are deeply saddened by the devastation caused by the recent wildfires. We remain committed to supporting our clients and friends during this time and are hopeful that the general steps related...more

UPDATE Ginnie Mae clarifies first payment basis intended by APM 21-06

David Shirk - Shirk Law on 11/10/2021

Yesterday, Ginnie Mae clarified in an industry forum that its APM 21-06 seasoning requirements for the VA IRRRL Refinance of a Modified Loan are measured from the contracted first payment due date under a modification...more

Ginnie Mae APM 21-06 restates interpretation of VA seasoning requirements

David Shirk - Shirk Law on 11/1/2021

Ginnie Mae clarifies its MBS Guide with respect to seasoning of VA IRRRLs that are a “Refinance of a Modified Loan.” Issuers had challenged Ginnie Mae’s buy out demands that claimed insufficient seasoning when measured from...more

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Mortgages › Loan Modifications › Real Estate Transactions

Nevada Enacts the Uniform Mortgage Modification Act

Los Angeles Wildfire Resources: What to do About Your Mortgage

UPDATE Ginnie Mae clarifies first payment basis intended by APM 21-06

Ginnie Mae APM 21-06 restates interpretation of VA seasoning requirements

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