Federal Housing Administration.
U.S. government agency responsible for mortgage insurance
Trump Admin’s 50-Year Mortgage Proposal May Not Be ‘Game-Changer,’ Analysts Say
The Trump administration’s idea to introduce 50-year mortgage terms in an effort to help Americans purchase homes may not actually do much to improve housing affordability, according to some analysts. Federal Housing…
Reporting · 1 source · Jul 2, 2026Read itThe journal
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About Federal Housing Administration
The Federal Housing Administration (FHA), also known as the Office of Housing within the Department of Housing and Urban Development (HUD), is a United States government agency founded by President Franklin Delano Roosevelt, created in part by the National Housing Act of 1934. The FHA insures mortgages made by private lenders for single-family properties, multifamily rental properties, hospitals, and residential care facilities. FHA mortgage insurance protects lenders against losses. If a property owner defaults on their mortgage, FHA pays a claim to the lender for the unpaid principal balance. Because lenders take on less risk, they are able to offer more mortgages. The goal of the organization is to facilitate access to affordable mortgage credit for low- and moderate-income and first-time homebuyers, for the construction of affordable and market rate rental properties, and for hospitals and residential care facilities in communities across the United States and its territories.
Everything about Federal Housing Administration →- Country
- United States
- Headquarters
- Robert C. Weaver Federal Building
- Inception
- 1934
- Website
- http://www.fha.gov/