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FHA: Recent History and Future Prospects

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  • Robert Van Order
  • Anthony M. Yezer

Abstract

The Federal Housing Administration (FHA) deserves considerable credit for helping support the housing market during the recent financial crisis by increasing its own market share. However, as the recovery continues, the FHA can gradually return to its "traditional" role as an insurer of low-down-payment home mortgages for low-to-moderate-income and first-time homebuyers. A major concern going forward is susceptibility to increased adverse selection if it continues in nontraditional markets. Indeed, the modest market share of the FHA going into the housing collapse was important both in limiting its losses and in allowing it to maintain the market when other traditional secondary market makers failed.

Suggested Citation

  • Robert Van Order & Anthony M. Yezer, 2014. "FHA: Recent History and Future Prospects," Housing Policy Debate, Taylor & Francis Journals, vol. 24(3), pages 644-650, July.
    • Handle: RePEc:taf:houspd:v:24:y:2014:i:3:p:644-650
    DOI: 10.1080/10511482.2013.849749
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    Cited by:

    1. Bartlett, Robert & Morse, Adair & Stanton, Richard & Wallace, Nancy, 2022. "Consumer-lending discrimination in the FinTech Era," Journal of Financial Economics, Elsevier, vol. 143(1), pages 30-56.
    2. Olsen, Edgar O. & Zabel, Jeffrey E., 2015. "US Housing Policy," Handbook of Regional and Urban Economics, in: Gilles Duranton & J. V. Henderson & William C. Strange (ed.), Handbook of Regional and Urban Economics, edition 1, volume 5, chapter 0, pages 887-986, Elsevier.

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