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AFE · Question #178

Federal Housing Administration:

See the full explanation below for the reasoning.

Question

Federal Housing Administration:

Options

  • AAgency does not make loans; it only insures them. For this protection the borrower must pay an annual insurance premium to the FHA of 0.5 percent of the outstanding principal amount of the loan
  • BAgency does not make loans; upon default, the lender has the option either of assigning the mortgage to the FHA and receiving cash and/or securities equal to the loan amount at the date of the default or of foreclosing on the mortgaged property
  • CEstablishes standards for property that can not be insured and maximum terms, interest rates, and amounts for the insured loans
  • DAll of these

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