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6 unusual facts about Federal Housing Administration


Debt-to-income ratio

It was not until that era that the FHA and the VA (through the G.I. Bill) led the creation of a mass market in 30-year, fixed-rate, amortized mortgages.

Federal Housing Administration

Joshua Zumbrun and Maurna Desmond of Forbes have written that eventual government losses from the FHA could reach $100 billion.

Kisses for Breakfast

Rodney, not knowing who he is, takes the name "Happy Homes" from an F.H.A. billboard he chances to see, finds Laura's address in his pocket, and travels to her cotton plantation in search of his true identity.

Lee Gardens North Historic District

The garden apartment complex was designed by noted architect Mihran Mesrobian according to the original standards promoted by the Federal Housing Administration.

Westover, Arlington, Virginia

Following the principles set forth by the FHA and responding to the need for affordable housing, Mace developed several neighborhoods in Arlington County in the early twentieth century which provided economical housing to the growing population.

Yield spread premium

Update 11/25/2008 - Yield Spread Premiums are most commonly used by the Government Sponsored Enterprises (Fannie Mae and Freddie Mac) as well as the FHA and VA loan programs to 'steer' borrowers into specific tranches of interest rate most advantageous to the marketplace through specific cash incentives to the mortgage originator.


Condominium

Section 234 of the 1961 National Housing Act allowed the Federal Housing Administration to insure mortgages on condominiums, leading to a vast increase in the funds available for condominiums, and to condominium laws in every state by 1969.

Lease purchase contract

These contracts are commonly used where a buyer wants to purchase a home, but due to credit issues would not qualify for a conventional mortgage and does not wish to, or would not qualify, for FHA or VA financing.

Peter Monroe

Peter Monroe earlier had served with United States Secretary of Housing and Urban Development Jack Kemp as the Chief Operating Officer at the Federal Housing Administration (FHA).

Streamline refinancing

The Federal Housing Administration and VA do not permit the refinancing of a home unless there is a net benefit to the borrower.

United States Senate Banking Subcommittee on Housing, Transportation, and Community Development

The subcommittee oversees urban mass transit systems and general urban affairs and development issues, HUD community development programs; the Federal Housing Administration; the Rural Housing Service; and Fannie Mae and Freddie Mac, federal corporations that help Americans with the costs of homeownership.


see also