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Diane Publishing Books
Federal Housing Administration: Analysis of Options for Modifying Its Products, Market Presence, and Powers
Mathew J. Scire (au)
The Federal Housing Admin. (FHA) provides mortgage guarantees for home buyers, particularly first-time, minority, and lower-income borrowers. In 2012, FHA insured about $227 billion in single-family mortgages, and its overall insurance portfolio was about $1.1 trillion. Its market presence expanded during the recent housing crisis as the conventional market contracted and Congress increased the limit on the size of loans FHA may insure. But FHA劌製 financial condition has weakened, and FHA has not met its 2% statutory minimum capital ratio since 2009; its capital reserve account might require an infusion of federal funds. FHA, industry participants, and researchers have suggested a number of options for improving FHA劌製 long-term viability or for limiting FHA劌製 market presence. These options have potential implications for taxpayers, borrowers, and others. This report discusses the options, which fall into three categories: (1) changes to product terms and conditions; (2) changes that would restrict FHA劌製 market presence; and (3) changes to FHA劌製 operations and powers, and their implications. Tables and figures. This is a print on demand report.
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