The Department of Housing and Urban Development may not be raising FHA mortgage insurance premiums for a while for fear that further aggressive pricing could shut out traditional and first-time homebuyers. In testimony before the House Financial Services Committee this week, FHA Commissioner Carol Galante warned that, with interest rates rising, the FHA may have reached a “tipping point” with its mortgage insurance premiums and that it may be time to pull back and ponder the next move. “As we continue to seek a balance between strengthening the [Mutual Mortgage Insurance Fund] and ensuring access to credit, we must ...