The Federal Housing Administration’s Insurance Program for Home Loans


Jaime M. Lagos (Editor)

Series: Housing Issues, Laws and Programs, Government Procedures and Operations
BISAC: LAW047000

The Federal Housing Administration (FHA) was created by the National Housing Act of 1934 in order to broaden homeownership, protect lending institutions, and stimulate the building industry. The FHA does not make mortgage loans. Rather, it insures mortgage loans made by private lenders that meet certain underwriting and other criteria, thereby expanding the availability of mortgage credit beyond what may be available otherwise. If the borrower defaults on the mortgage, the FHA will repay the lender the remaining amount owed. While the FHA insures a range of mortgage types, including multifamily properties and hospital facilities, this book focuses on the FHA’s single-family insurance program. (Imprint: Novinka )

Table of Contents

Table of Contents


FHA-Insured Home Loans: An Overview
(Katie Jones, CRS)

The FHA Single-Family Mortgage Insurance Program: Financial Status and Related Current Issues
(Katie Jones, CRS)

The Federal Housing Administration (FHA) and Risky Lending
(Darryl E. Getter, CRS)

Myths and Facts Regarding the FHA Single Family Loan Guarantee Portfolio
(U.S. Department of Housing and Urban Development)

Testimony of Carol Galante, Assistant Secretary for Housing, Federal Housing Administration. Hearing on “Bailout, Bust, or Much Ado About Nothing?: A Look at the Federal Housing Administration’s 2012 Actuarial Report”


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