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Volume 2014 - Number 3

January 23, 2014

Urban Institute Study Warns Against Impact of 2014 Loan Limits on Minorities, Urges FHA to Reevaluate Calculations

The Urban Institute said that new FHA loan limits may have a limited impact overall, but they could have dire consequences for some minority neighborhoods. The study found that the most affected metropolitan statistical areas had two things in common: they have a high share of FHA-insured loans, and their loan limits have dropped significantly. Of the 35 most affected MSAs, 13 are predominantly minority neighborhoods, all in California. “Many of the most affected areas have...

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HUD has announced a 25 basis point cut in FHA premiums, which is slated to take effect in late January. Is your lending shop for or against a cut in FHA premiums?

For. It should help lending volumes.
Against. The private MI sector should take on this risk, not the government.
Too early to say.
I believe the new White House may scuttle the idea so it doesn’t matter.

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