Ginnie Mae adds e-note, Platinum pooling flexibilities

Government securitization guarantor Ginnie Mae is providing mortgage companies with more options for pooling loans as it starts 2026 with a newly confirmed president.

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Electronic promissory notes, which Ginnie made eligible for commingling with traditional collateral back in 2024, can now be included in Pools Issued for Immediate Transfer starting Feb. 1. PIIT status allows pools to be transferred to qualified parties immediately upon issuance.

“The expansion of the Digital Collateral program to the PIIT program will promote wider adoption of digital lending by providing increased flexibility to e-issuers,” Ginnie Mae President Joseph Gormley said in a press release. He could not immediately be reached for further comment.

Because PITT has a lot of moving parts,…