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Accession Number PB2013-105473
Title Overview of GAO's Past Work on FHA's Single-Family Mortgage Insurance Programs.
Publication Date Mar 2013
Media Count 28p
Personal Author N/A
Abstract The Department of Housing and Urban Development's (HUD) Federal Housing Administration (FHA) has helped millions of families purchase homes through its single-family mortgage insurance programs, which insure private lenders against losses on mortgages that finance purchases of properties or refinance existing FHA mortgages. In recent years, FHA has experienced a dramatic increase in its market role, partly because other mortgage market segments contracted during the recent financial crisis. At the same time, it has faced fiscal challenges. Since 2009, FHA has not met its statutory capital reserve requirements--essentially, a floor below which reserves should not fall. Additionally, although FHA's single-family insurance programs historically produced budgetary receipts for the federal government, a weakening in the performance of FHA-insured loans could increase the possibility that FHA will require funds to help cover its costs on insurance issued to date.
Keywords Capital
Federal Housing Administration
Mortgage insurance
Single family mortgages

Source Agency General Accounting Office
NTIS Subject Category 96F - Banking & Finance
91E - Housing
Corporate Author Government Accountability Office, Washington, DC.
Document Type Technical report
Title Note N/A
NTIS Issue Number 1312
Contract Number N/A

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