FHA Programs Archive

Broad Impact of the FHA Fee Freeze

In late January, the new Trump administration froze a number of policy changes made in the waning days of the Obama Presidency. One such change, a 25 basis point decrease in the mortgage insurance premium (MIP) charged by the...

Rural Housing Service: The Silent Surge

The 2014 HMDA data provide interesting market insights. The FHA continues to shrink giving way to an expanding conventional market. The most dramatic change from a decade ago is the role of the Veterans Administration, Rural Housing Service (RHS),...

Modest Improvements in Conventional Loan Limits

The Federal Housing Finance Agency (FHFA) announced the conforming loan limits for 2016 today. Limits will rise in a 39 counties around the country. The national conforming limit remains unchanged, but could rise in the near future. Every year,...

FHA Lending Likely to Tighten Modestly

Lenders who responded to the 3rd Quarter Survey of Mortgage Originators indicated that proposed changes by the FHA may cause them to tighten their credit standards modestly. While this change is unfortunate, it would be a mild reversion to...

Waiting on the Boomerang

Return or boomerang buyers have grown in numbers in recent years. Forecasts indicate that these former homeowners who experienced a foreclosure or short sale will return to the market in greater volume in the years ahead. However, lack of...