fha Archive

When the Sting of FHA’s Fees Becomes a Bite

The FHA has more than doubled its mortgage insurance premiums since 2010 and most recently eliminated the phase out of mortgage insurance on certain products. As a result, the private mortgage insurance industry has been able to recover and...

Just How Big is the FHA?

The FHA has been in the headlines a lot recently. So have assertions regarding how large of a presence the institution has in the housing market. The FHA’s significance varies based on which benchmark you are measuring it next...

Lenders Reluctant to Issue FHA Loans

REALTORS® have been aware of tight lending conditions for years.  Data on average FICO scores, debt-to-income ratios and downpayments support this conclusion.  However, a recent survey conducted by the Federal Reserve sheds more light on which factors are driving...

FHA Condo Lending in a New Paradigm

FHA rules on lending for condos have been in the news recently. The rules that govern which apartment buildings the agency can offer lending at are blamed for limiting demand in the condo market and even driving down prices....

Small Changes to Mortgage Insurance Premiums Add Up

On April 9th, the FHA made another round of changes to the mortgage insurance premiums that it charges.  The FHA has increased its premiums as a means of shoring up its books in light of high delinquency and foreclosure...