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Tag: FHA insured loan

The Myth That Mortgage Credit Is Really Tight

"I've been surprised that housing hasn't recovered more robustly than it has. In part, I think it reflects very tight credit ... for any...

Tight Credit Has Hurt Minority Borrowers The Most

African American and Hispanic households have been disproportionately affected by overly tight mortgage lending standards—and they constitute a surprisingly large share of the 4...

Mortgaging the Future?

Leverage is risky. Purchasing assets with borrowed money can amplify small movements in prices into extraordinary gains or crippling losses, even default. From the...

Requirements for Mortgages are Easing

A closely watched index that tracks mortgage credit availability — lender requirements on credit scores, down payments and other key loan terms — has...

FHA Looks to Ease Banks’ Worry on Mortgage Mistakes

A U.S. housing regulator is considering limiting one of the most powerful tools federal attorneys have to punish banks for making mistakes in mortgage...

The Truth about Mortgage Underwriting

The world is awash in inaccurate sound bites related to mortgage credit. We spoke with numerous industry executives and identified three truths that need...

Is Residual Income the Key to the Superior Performance of VA...

Default rates on loans guaranteed by Veterans Affairs (VA) are consistently lower than on loans insured by the Federal Housing Administration (FHA). For loans...

VA Loans Outperform FHA Loans. Why? And What Can We Learn?

Veterans Administration (VA) loans have consistently performed better than Federal Housing Administration (FHA) loans. In this commentary, we take a closer look at both...

The impact of 2014 FHA Loan Limit Changes

Here is some research from Laurie Goodman, Ellen Seidman, and Jun Zhu at the Urban Institute: FHA Loan Limits—What Areas Are the Most Affected?....

Face It: FHA is the Only Game in Town for Subprime...

There is a lot of misinformation in the mortgage market these days about the Federal Housing Administration's role, particularly its mission of making credit...