Google+
Home | Headlines | The Face Off—FHA vs. Private Mortgage Insurance
Print This Post Print This Post

The Face Off—FHA vs. Private Mortgage Insurance

appraisalIn the time period following the housing market collapse, private mortgage insurance was not easy to obtain, which left the door open for the Federal Housing Administration (FHA) to step in to accommodate low downpayment borrowers and pick up the majority of the mortgage insurance market share.

But the tables have since turned.

FHA loans have become more expensive as the housing recovery surges forward. A 2016 Mortgage Insurance Study by WalletHub found that private mortgage insurance has resurfaced as a once-again viable option for those that can afford a mortgage but not the 20 percent down payment.

According to the report, from 2007 to 2009, FHA were the primary choice for low-down payment borrowers and volume grew by more than 355 percent during this time. Meanwhile, private issuers incurred huge losses, with some going bankrupt.

wallethubWalletHub found that despite the reemergence of private mortgage insurance, FHA policies still dominate the market. FHA loans are roughly 51 percent more popular than conventional loans with private insurance policies.

During the time period from 2014 to 2016, FHA insurance costs have fallen by 29 percent, while primary mortgage insurance costs have declined by 47 percent for people with credit scores above 760 and increased by 28 percent for people with a fair credit score of 660 or below, WalletHub reported.

The recent reduction in private mortgage insurance fees has made getting a mortgage loan a lot easier and may begin to pull high quality borrowers from the FHA. Urban Institute researchers Bing Bai and Laurie Goodman found in a recent report that borrowers that can afford a monthly mortgage but do not have the 20 percent down payment, have two options: 1. A FHA loan or 2. A conventional mortgage guaranteed by the GSEs. While both programs allow borrowers to put as little as 3.5 percent down, one may be better than the other.

"For the past 15 months, the answer has been the FHA loan," the authors wrote. "But for those with nearly perfect credit, a change to PMI fees in April 2016 made the GSE guarantee more affordable. This new pricing could pull some of the highest-quality borrowers out of FHA and into GSE loans."

Click here to view the full report.

About Author: Xhevrije West

Vri 2
Xhevrije West is a talented writer and editor based in Dallas, Texas. She has worked for a number of publications including The Syracuse New Times, Dallas Flow Magazine, and Bellwethr Magazine. She completed her Bachelors at Alcorn State University and went on to complete her Masters at Syracuse University.

419 comments

  1. Pingback: The Face Off—FHA vs. Private Mortgage Insurance - Appraisal Buzz

  2. Pingback: The Face Off—FHA vs. Private Mortgage Insurance - Brokers TitleBrokers Title

  3. Pingback: Loans For People With Fair Credit Albury-wodonga - Bad Credit Loans Australia

  4. Pingback: xmt85c4wx5ctwxw3tcerthve56

  5. Pingback: alcohol test

  6. Pingback: دانلود قسمت هشتم شهرزاد دوم

  7. Pingback: دانلود شهرزاد قسمت نهم فصل دوم

  8. Pingback: دانلود شهرزاد قسمت هفتم فصل دوم

  9. Pingback: قیمت پنجره

  10. Pingback: دانلود قسمت چهارده عاشقانه

  11. Pingback: دانلود قسمت 17 عاشقانه

  12. Pingback: دانلود قسمت دوازدهم عاشقانه

  13. Pingback: Ana Foxxx

  14. Pingback: Peta Jensen

  15. Pingback: Marley Brinx

  16. Pingback: Mia Malkova

  17. Pingback: sosyalmarketim kullanmayin

  18. Pingback: Cherry Hilson

  19. Pingback: Paleo Diet

  20. Pingback: Free Stuff Worldwide

  21. Pingback: free online movie

  22. Pingback: دانلود قسمت دوازه عاشقانه

  23. Pingback: پنجره

  24. Pingback: عاشقانه

  25. Pingback: Hunde t-shirts

  26. Pingback: Loyola College for Sale

  27. Pingback: دانلود قسمت 13 عاشقانه

  28. Pingback: bypass windows 7 password

  29. Pingback: دانلود قسمت اول فصل دوم شهرزاد

  30. Pingback: under armour shoes

  31. Pingback: porno gratis

  32. Pingback: Admission via Good Donation in any medical college

  33. Pingback: porno gratis

  34. Pingback: videos porno

  35. Pingback: porno gratis

  36. Pingback: videos porno

  37. Pingback: porno

  38. Pingback: porno

  39. Pingback: porno

  40. Pingback: porno

  41. Pingback: videos porno

  42. Pingback: porno gratis

  43. Pingback: porno

  44. Pingback: دانلود قسمت 17 عاشقانه

  45. Pingback: mysql consulting

  46. Pingback: پنجره دوجداره وین تک ویستابست

  47. Pingback: ساخت پنجره دو سه جداره

  48. Pingback: Facial Spa Services Deerfield Beach

  49. Pingback: Acne Facial Treatments Weston

  50. Pingback: Facial Spa Services Plantation

  51. Pingback: Acne Facial Treatments Lauderdale-by-the-Sea

  52. Pingback: فروش توری

  53. Pingback: دانلود موزیک

  54. Pingback: groin support wrap

  55. Pingback: oral

  56. Pingback: St. Louis Wedding Photography

  57. Pingback: visitez le site

  58. Pingback: free zynga poker chips

  59. Pingback: jake burgess palo alto ca

  60. Pingback: دانلود قسمت هفتم شهرزاد دوم

  61. Pingback: پنجره

  62. Pingback: پنجره

  63. Pingback: Poker Online

  64. Pingback: coin-banks

  65. Pingback: coin-banks exchange

  66. Pingback: Porn World

  67. Pingback: DraftKings

  68. Pingback: coin-banks

  69. Pingback: mdansby software

  70. Pingback: vigra master � bom

  71. Pingback: دانلود قسمت هشتم شهرزاد

  72. Pingback: anime

  73. Pingback: vpm

  74. Pingback: australia golf price

  75. Pingback: clash royale hack

  76. Pingback: دانلود سریال شهرزاد قسمت 15 پانزده

  77. Pingback: پنجره دوجداره

  78. Pingback: دانلود سریال شهرزاد قسمت 15

  79. Pingback: Strasbourg France

  80. Pingback: ΤΣΑΝΤΕΣ TRUSSARDI

  81. Pingback: Race Car

  82. Pingback: 5 little

  83. Pingback: comment agrandir son penis

  84. Pingback: Brandon king

  85. Pingback: Teresa

  86. Pingback: دانلود سریال شهرزاد قسمت 16

  87. Pingback: دانلود سریال عالجناب اول

  88. Pingback: دانلود عالیجناب اول 1

  89. Pingback: دانلود قسمت دوم عالیجناب

  90. Pingback: دانلود فیلم ایرانی

  91. Pingback: diabetes

  92. Pingback: Best Baby Crib Mattress

  93. Pingback: Fuel Injection Service

  94. Pingback: FIRST TRY TRICKSHOT

  95. Pingback: cpf

  96. Pingback: قیمت پنجره

  97. Pingback: پنجره دوجداره ویستایست

  98. Pingback: پنجره ضد سرقت المانی

  99. Pingback: plumbers near me

  100. Pingback: فروش توری پنجره دوجداره

  101. Pingback: دانلود فیلم

  102. Pingback: دانلود فیلم

  103. Pingback: ping g30 irons australia

  104. Pingback: super truck

  105. Pingback: en allant visiter le site

  106. Pingback: discount codes

  107. Pingback: Surrey Limo

  108. Pingback: دانلود فیلم سریال ایرانی

  109. Pingback: rhymes for kids

  110. Pingback: easy loans uk

  111. Pingback: دانلود فیلم با کیفیت

  112. Pingback: Chester bennington

  113. Pingback: rent home

  114. Pingback: Peppa Pig

  115. Pingback: buy home

  116. Pingback: bacillusanthracis.org

  117. Pingback: دانلود فیلم ایرانی

  118. Pingback: how to buy bitcoin

  119. Pingback: upvc window

  120. Pingback: авто-ключар

  121. Pingback: پنجره دوجداره

  122. Pingback: پنجره دوجداره

  123. Pingback: پنجره دوجداره

  124. Pingback: پنجره

  125. Pingback: دانلود

  126. Pingback: فروش توری پنجره دوجداره

  127. Pingback: پنجره دوجداره

  128. Pingback: مشاوره بازاریابی آنلاین

  129. Pingback: affordable SEO services

  130. Pingback: IELTS course in Karachi

  131. Pingback: drugs

  132. Pingback: watch porn on instagram

  133. Pingback: https://buyweednowonline.ca/

  134. Pingback: Mitch McConnell

  135. Pingback: garden bridges

  136. Pingback: Situs Judi Terpercaya

  137. Pingback: download gaple game

  138. Pingback: https://www.pinterest.com/adulttoys4427/

  139. Pingback: 6d eyebrow embroidery singapore

  140. Pingback: https://www.youtube.com/watch?v=Bld2NoB1hBI

  141. Pingback: The 2 Week Diet System

  142. Pingback: ed sheeran live

  143. Pingback: iPhone

  144. Pingback: download best

  145. Pingback: window

  146. Pingback: دانلود فیلم

  147. Pingback: دانلود فیلم اکسیدان

  148. Pingback: heartland dental care

  149. Pingback: google hd porn

  150. Pingback: best plumber

  151. Pingback: EVA TV

  152. Pingback: 5 little

  153. Pingback: پنجره

  154. Pingback: seo white label reseller program

  155. Pingback: karaj

  156. Pingback: فیلم

  157. Pingback: Concurso P�blico

  158. Pingback: Finger Family Song

  159. Pingback: top 40 music videos

  160. Pingback: Web Design

  161. Pingback: Polecam

  162. Pingback: Donny

  163. Pingback: garden

  164. Pingback: Daily vlog

  165. Pingback: how to vlog

  166. Pingback: usi tech info

  167. Pingback: Online Slot Casino Malaysia

  168. Pingback: osito de goma de gelatina

  169. Pingback: graphic

  170. Pingback: EVA TV

  171. Pingback: Bitcoin

  172. Pingback: live sex cams

  173. Pingback: Cheno Bliss

  174. Pingback: 192.168.o.11 trocar senha do roteador

  175. Pingback: صيانة

  176. Pingback: tools for

  177. Pingback: Web Design

  178. Pingback: real online casinos

  179. Pingback: casinos online for money

  180. Pingback: bowl entertain

  181. Pingback: karajupvc

  182. Pingback: دانلود

  183. Pingback: دانلود فیلم

  184. Pingback: download

  185. Pingback: پنجره

  186. Pingback: download

  187. Pingback: دانلود

  188. Pingback: garden bridges New York

  189. Pingback: پنجره

  190. Pingback: Single Chat Erfahrungen

  191. Pingback: top producer real estate theme

  192. Pingback: stacey

  193. Pingback: Self Storage Units and Facilities in Ridgewood

  194. Pingback: repair

  195. Pingback: Self Storage Units and Facilities in Mills Pond Park

  196. Pingback: Easiest Way To Make Money - $326 a Day Online Without a Website

  197. Pingback: RUSSIAN HOMEMADE ANAL PART 2

  198. Pingback: learn to count

  199. Pingback: getting rid of blackheads

  200. Pingback: vape pen

  201. Pingback: piles laser treatment in gurgaon

  202. Pingback: cheap air jordans

  203. Pingback: دانلود فیلم نهنگ عنبر 2

  204. Pingback: send car overseas

  205. Pingback: buy illegal backlinks

  206. Pingback: learn colors with balls for kids

  207. Pingback: Togel Online

  208. Pingback: textbook test bank

  209. Pingback: Judi Online

  210. Pingback: Private Tour

  211. Pingback: payday loans

  212. Pingback: https://trello.com/jimstephens10

  213. Pingback: ad exchange

  214. Pingback: google leaks

  215. Pingback: پنجره

  216. Pingback: پنجره

  217. Pingback: Get More Info

  218. Pingback: دانلود سریال شهرزاد

  219. Pingback: دانلود فیلم رایگان

  220. Pingback: دانلود سریال شهرزاد فصل دوم

  221. Pingback: دانلود فیلم نهنگ عنبر 2

  222. Pingback: brutalxxxporn adult porn film

  223. Pingback: Infant car seat canopy

  224. Pingback: stretchy car seat canopy

  225. Pingback: mp3

  226. Pingback: Car seat cover

  227. Pingback: Car seat canopy

  228. Pingback: real caller app

  229. Pingback: SkinAlley

  230. Pingback: child abuse in pa

  231. Pingback: Panggung Rumput Hijau

  232. Pingback: Locksmith

  233. Pingback: Deal Feed

  234. Pingback: Disini Olahraga

  235. Pingback: maximainvestments

  236. Pingback: porn movie

  237. Pingback: game hack

  238. Pingback: mobile free cams

  239. Pingback: company website

  240. Pingback: دانلود فیلم نهنگ عنبر

  241. Pingback: click here

  242. Pingback: دانلود موزیک

  243. Pingback: پنجره

  244. Pingback: لینکدونی

  245. Pingback: pirater un compte facebook

  246. Pingback: link

  247. Pingback: USAA Bank

  248. Pingback: دانلود رایگان فیلم نهنگ عنبر 2

  249. Pingback: accurate astrology predictions free online

  250. Pingback: print t shirt

  251. Pingback: Oddsmonkey

  252. Pingback: kitchen accessories

  253. Pingback: Keyword5: Situs Judi Togel terpercaya

  254. Pingback: Oddsmonkey

  255. Pingback: Oddsmonkey

  256. Pingback: Oddsmonkey

  257. Pingback: Oddsmonkey

  258. Pingback: Oddsmonkey

  259. Pingback: WalmartOne Login

  260. Pingback: zenofem

  261. Pingback: Smyths Toys coupons

  262. Pingback: www.consumerhealthdigest

  263. Pingback: somulin

  264. Pingback: Google 2017 backdoors

  265. Pingback: دانلود فیلم رگ خواب

  266. Pingback: yDrone Applications in Oil and Gas

  267. Pingback: ghost stories

  268. Pingback: http://sexmag.biz/

  269. Pingback: Radhe Maa

  270. Pingback: dig this

  271. Pingback: news aaj ki

  272. Pingback: Bitcoin

  273. Pingback: walmartone

  274. Pingback: La Diete 2 Semaines gratuit

  275. Pingback: 10 Inches Ace of Spades Large PVC Butt Plug For Experts

  276. Pingback: http://community.openscholar.harvard.edu/people/jasonddf_folgd

  277. Pingback: Arvind Pandit

  278. Pingback: weee recycling

  279. Pingback: bulk computer disposal

  280. Pingback: savporn.com

  281. Pingback: estate planning port arthur

  282. Pingback: 3D Model Balloon Basket And Gas Tank

  283. Pingback: اغاني عربية

  284. Pingback: pay for essay uk

  285. Pingback: Yahoo Finance

  286. Pingback: desi serial

  287. Pingback: verificare aer conditionat

  288. Pingback: Irvine Realtor

  289. Pingback: mspy review

  290. Pingback: cataluña es españa

  291. Pingback: Peter Schatzberg

  292. Pingback: hearing aids

  293. Pingback: Schlüsseldienst Köln

  294. Pingback: Jumbo Antep Fıstığı

  295. Pingback: vanzari aparate aer conditionat cu transport si montaj inclus

  296. Pingback: payday loan

  297. Pingback: Prince Frank VON ANHALT-Nassau

  298. Pingback: sex toys

  299. Pingback: momschips

  300. Pingback: buy google hacklink

  301. Pingback: buy hacklink

  302. Pingback: michael kors online

  303. Pingback: ome insurance quotes

  304. Pingback: nike iphone 6 case

  305. Pingback: Progressive home insurance

  306. Pingback: coupons com

  307. Pingback: black tea benefits

  308. Pingback: best porn site

  309. Pingback: 420 evaluaitons online Pomona

  310. Pingback: https://agenpokercemeonline.tumblr.com/

  311. Pingback: mouse click the up coming article

  312. Pingback: michael kors online store

  313. Pingback: anthony morrison

  314. Pingback: Pinganillos para examenes

  315. Pingback: vip financial education

  316. Pingback: personal injury lawyer

  317. Pingback: Porsche 991. GT3 Innotech Armytrix Titanium Exhaust

  318. Pingback: best free porn

  319. Pingback: kitchen clips

  320. Pingback: chef kitchen tools

  321. Pingback: diep.io

  322. Pingback: porn sites

  323. Pingback: spinz.io hack

  324. Pingback: best porn site

  325. Pingback: ludo star mod apk unlimited money

  326. Pingback: instagram porn

  327. Pingback: porn list

  328. Pingback: www.otbvision.com

  329. Pingback: luxe vakantiehuis sauerland

  330. Pingback: My Homepage

  331. Pingback: btc

  332. Pingback: escorts madrid

  333. Pingback: nike air jordan

  334. Pingback: HR Management Bangalore

  335. Pingback: fashion

  336. Pingback: ladyboy porn

  337. Pingback: porn list

  338. Pingback: پنجره upvc

  339. Pingback: Jogos Kizi

  340. Pingback: porn list

  341. Pingback: buy blueray porn hd

  342. Pingback: Office website

  343. Pingback: web design cordoba

  344. Pingback: MOM SON PORN

  345. Pingback: walmartone

  346. Pingback: walmartone

  347. Pingback: mobile accessories

  348. Pingback: see this here

  349. Pingback: recommended you read

  350. Pingback: bretelles amovibles

  351. Pingback: Barnevernstjenesten

  352. Pingback: navigate to these guys

  353. Pingback: i loved this

  354. Pingback: go to this site

  355. Pingback: blog here

  356. Pingback: additional info

  357. Pingback: Judi Bola Dunia

  358. Pingback: fake gucci belt

  359. Pingback: excel tutorial

  360. Pingback: buy diaper

  361. Pingback: xxx porn

  362. Pingback: excel tutorial

  363. Pingback: Darwin Horan

  364. Pingback: Office website

  365. Pingback: bridesmaid dresses

  366. Pingback: skin bleaching

  367. Pingback: آینه بغل

  368. Pingback: heart rate monitors

  369. Pingback: Limo Service Vancouver BC & Party Limos Bus Vancouver BC

  370. Pingback: money

  371. Pingback: awesome webservice apps 2018

  372. Pingback: vermiculite

  373. Pingback: ร้านทำผม กรุงเทพ

  374. Pingback: Cheap Primary care provider in Auburn

  375. Pingback: 816-524-0404 domestic

  376. Pingback: www.drone-works.com

  377. Pingback: white label casino

  378. Pingback: jake burgess

  379. Pingback: Geico homeowners insurance

  380. Pingback: buy china goods

  381. Pingback: Fake Oakley Sunglasses

  382. Pingback: dig this

  383. Pingback: Skin Tags

  384. Pingback: file bankruptcy

  385. Pingback: big farm mobile harvest hack

  386. Pingback: Flowers Singapore

  387. Pingback: Lotto Dominator Review

  388. Pingback: typing

  389. Pingback: million dollar graphic designer

  390. Pingback: licensed moneylender

  391. Pingback: medical marijuana cbd

  392. Pingback: hemp oil for anxiety

  393. Pingback: מזוזוה לבית חדש בלוד

  394. Pingback: matcha tea blend

  395. Pingback: Limo Service Vancouver BC & Party Limos Bus Vancouver BC

  396. Pingback: home insurance rates by zip code calculator

  397. Pingback: coupon code

  398. Pingback: homeowners insurance comparison

  399. Pingback: pcmunkey

  400. Pingback: jake burgess

  401. Pingback: usaa insurance

  402. Pingback: insurance home auto

  403. Pingback: progressive insurance login

  404. Pingback: hartford insurance login

  405. Pingback: شهرزاد 3

  406. Pingback: dating

  407. Pingback: xyz資訊工坊

  408. Pingback: buy china goods

  409. Pingback: mp3

  410. Pingback: best payday loan websites

  411. Pingback: supplements

  412. Pingback: today health insurance

  413. Pingback: コピーブランド

  414. Pingback: vortex bong

  415. Pingback: Ethereum

  416. Pingback: this post

  417. Pingback: a fantastic read

  418. Pingback: Buy Viagra Online

  419. Pingback: cell phone repair store

Leave a Reply

Scroll To Top