The mortgage banking industry expects bipartisan legislation authorizing the Federal Housing Administration to insure no-downpayment mortgage loans to sail smoothly through this week’s House Financial Services Committee markup. Under a substitute amendment to H.R. 3755 offered by House Financial Services Committee Chairman Michael Oxley, R-OH, the FHA zero-downpayment program would apply to mortgages backed by borrower-occupied 1-to-3 family dwellings. Such residences