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The Federal Housing Administration Needs Clearer Criteria for Underwriting Single-Family Mortgages Insurance

CED-78-59 Published: Mar 13, 1978. Publicly Released: Dec 03, 1982.
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Highlights

The single-family home underwriting practices of the Federal Housing Administration (FHA) in the New York area office were reviewed. In three Brooklyn neighborhoods, the volume of approvals and disapprovals for single-family mortgage insurance from May 1, 1976, to April 30, 1977, were determined, and the FHA underwriting criteria were identified.

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Evaluation criteriaHousing repairsMortgage protection insuranceMortgage creditUnderwriting standardsFederal housingHousingMortgage insuranceUrban developmentDeferred maintenance