Federal Housing Administration (FHA) Programs

FHA provides mortgage insurance to support lending in the single-family market that disproportionately serves low- to moderate-income borrowers. As such, FHA helps make homeownership possible for many households that otherwise could struggle to obtain mortgage credit on affordable terms. MBA’s policy and advocacy efforts have focused on expanding the number of lenders participating in FHA-insured lending, promoting much-needed upgrades to FHA’s technology and operating systems, reforming FHA’s complex servicing requirements, and ensuring that FHA pricing appropriately balances consumer access to credit and taxpayer protection.