В какой дырке находится FHA

[geek7]

В какой дырке находится FHA, куда и кто за ней последует

http://www.bankrate.com/brm/news/mtga/M ... 65&web=brm

The FHA expects to insure almost $224 billion in single-family mortgages during 2008, up from about $60 billion in 2007, according to agency projections.

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"(People with) very little down payment, bruised credit, higher debt-to-income ratios -- those holes are being filled by FHA," he says.
He adds that unlike subprime loans, FHA rates are "very, very competitive."

Thanks to recent legislation, FHA-insured loans also may become a bigger part of the mortgage market in communities where homes are more expensive. Congress temporarily raised FHA loan limits as part of the 2008 federal economic stimulus package. The legislation allows the FHA to increase its loan maximum to 125 percent of a market's median value.

As a result, the 2008 FHA loan cap for a single-family home has jumped to $729,750 from $362,790.
The Bush administration recently announced expanded eligibility criteria for the FHASecure program. HUD estimates that an additional 500,000 at-risk homeowners will refinance into FHA-insured mortgages.