âThe Department of Housing and Urban Development will take another crack at gaining legislative approval for a product aimed at credit-impaired borrowers. In a budget request sent to Congress last week, the FHA included a proposal for a loan program that would target borrowers with subprime credit profiles. The so-called “payment incentive” program would cater to credit-troubled borrowers who can make a 10 percent downpayment. Such borrowers would pay a higher upfront premium, which would…