Federal Housing Administration | The Real Deal New York

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Federal Housing Administration

451 7th Street S.W.
Washington, DC 20410
(800) CALL-FHA (225-5342)
Website
FHA
Federal Housing Administration
The Federal Housing Administration (FHA) is a United States government agency that regulates construction, mortgage finances, and insures loans made by banks and other private lenders for home building. Its mission is to provide home financing where the private market fails to do so and to uphold housing standards. The FHA was established in 1934, to stabilize the housing market during the Great Depression. It is part of the Department of Housing and Urban Development. Since 2015, Ed Golding has served as the agency’s commissioner, replacing Biniam Gebre. The FHA is not taxpayer-funded. Proceeds from the mortgage insurance homeowners pay to the agency fund its operations. In 2009, to buoy the New York housing market, the FHA loosened its criteria for insuring mortgages and allowed first-time buyers to make down payments of as little as 3.5% of the value of a home. -TA
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HomeReady
08/05/16
Are you or someone you know needlessly missing in action this summer, leaving near historically low mortgage money at 3.5 percent to 3.75 percent on the...

Julianfeature
07/29/16
...that affects condominium buyers and sellers across the country: The Federal Housing Administration (FHA) has bungled its condo finance program. In a rare...

Julianfeature
05/20/16
...Housing and Urban Development secretary Julian Castro Could the Federal Housing Administration (FHA) finally be opening its doors again to financing more...

Fannie-Freddiefbox
04/22/16
If you’re planning to buy a home with a low down payment, you need to be aware of some important — but virtually unpublicized —...

mortgage-signfbox
04/15/16
...from their customers. The source of all the controversy: The Federal Housing Administration...

steve-bolandfbox
02/26/16
So you say you want to buy a home but you’re locked out of the market because you don’t have enough money for a down...

David Stevens
02/05/16
Federal housing policy makers and mortgage lending groups have been talking about expanding access to home loans for greater numbers of credit-worthy buyers for more...

HowStuyTownFbox
10/29/15
TRD Special Report:In August 1947, as the first tenants were moving into Stuyvesant Town-Peter Cooper Village, workers installed a small metal plaque on the west...

Ken Harney
09/18/15
...make it tougher to qualify for a low down payment Federal Housing Administration (FHA) mortgage. New rules on down payment gifts could complicate...

Mortgage Bankers
08/28/15
...better shot at obtaining a low-down-payment home loan from the Federal Housing Administration. Under a key policy change that took effect last week...

Lexus GS
08/14/15
Could that shiny new car you just financed with a big dealer loan or lease put a damper on your ability to refinance your mortgage...

Janet Yellen Mortgage
06/26/15
When Federal Reserve head Janet Yellen was asked about housing issues last week, she gave a classic economist’s “on-the-one-hand, on-the-other-hand” answer. But because she neatly...

Rental fees
04/27/15
In a city where landing the right rental apartment is celebrated like the birth of a child, brokers and tenants are aware that landlords hold...

FHA
04/10/15
Interested in a reverse mortgage without a lot of hassles? Better get your application in fast. As of April 27, the federal government is imposing...

mba
02/20/15
A closely watched index that tracks mortgage credit availability — lender requirements on credit scores, down payments and other key loan terms — has some...

harney
01/30/15
Call them the prodigal millennials: Statistical measures and anecdotal reports suggest that young couples and singles in their late 20s and early 30s have begun...

credit-score
01/16/15
...saw the White House announcement of lower insurance payments on Federal Housing Administration home mortgages last week, you might have wondered: Does this...

fannie
12/02/14
When it comes to buying a house, are you in the “no way I could possibly qualify” category? Not enough cash in the bank for...

Reverse-Mortgages
11/21/14
Are reverse mortgages headed in reverse? Based on forthcoming federal rule changes for seniors who expect to apply for one, you might think so. But...

346
10/24/14
There may be fewer military boots on the ground overseas, but here at home there have been major campaigns in the housing market this year...

10/21/14
In an effort to ease tight credit that’s slowing down the housing market, Fannie Mae and Freddie Mac reached an agreement with banks to better...

skeens
10/17/14
...in a nationwide wave of renovations and quick resales using Federal Housing Administration...

fha
09/05/14
Hundreds of thousands of home sellers have had their pockets picked at closings during the last decade — they’ve been charged interest on their mortgages...

credit-score
08/04/14
...on what type of loan you're seeking. If it's a Federal Housing Administration (FHA) insured mortgage, the answer is a resounding yes. The...

red-flag
07/21/14
Qualifying for a mortgage for large numbers of home purchasers not only is a tough challenge but one that ends unhappily — they get rejected....
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060-061 Co-ops se FINAL.indd
Owning a co-op or condominium unit sometimes carries a caveat: You might not be able to sell it. A building sponsor’s refusal to sell units...
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