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URL:https://www.learndesk.us/class/4746122453057536/lesson/94ec0de28ed4757079a64b9b3ad99def?ref=outlook-calendar
SUMMARY:Government-insured FHA Program
DTSTART;TZID=America/Los_Angeles:20260527T190000
DTEND;TZID=America/Los_Angeles:20260527T200000
LOCATION:https://www.learndesk.us/class/4746122453057536/lesson/94ec0de28ed4757079a64b9b3ad99def?ref=outlook-calendar
DESCRIPTION: 
Purpose
Characteristics of FHA loans

Purpose
The Federal Housing Administration (FHA) is an agency of the Department of Housing and Urban Development (HUD). It does not lend money but ensures permanent long-term loans made by others. The lender must be approved by the FHA, and the borrower must meet certain FHA qualifications. In addition, the property used to secure the loan must meet FHA standards. The FHA insures that the lender will not suffer a significant loss in the case of borrower default. To provide this security, FHA provides insurance and charges the borrower an insurance premium. FHA loans typically have a higher loan-to-value ratio than conventional loans, enabling a borrower to make a smaller down payment.
Characteristics of FHA loans
The basic FHA-insured loan program is the Title II, Section 203(b) program for loans on one- to four-family residential properties. Among the features of this program are the following.
Qualifying ratios. FHA lenders use two ratios,...

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