United States Government Publishing Office publisher pbl distributor dst United States Government Accountability Office author aut Government Organization text government publication eng GAOREPORTS Legislative Agency Publications gao legislative 2010-08-12 U.S. Government Printing Office 2005-02-11 monographic deposited born digital 67 p. GA 1.13:GAO-05-194 https://www.govinfo.gov/app/details/GAOREPORTS-GAO-05-194 P0b002ee18039e8ea f:d05194 DGPO 2010-08-12 2011-03-24 GAOREPORTS-GAO-05-194 machine generated eng fdlp REPORT GAOREPORTS-GAO-05-194 GAO-05-194 Data collection Homeowners loans Housing programs Insurance premiums Lending institutions Mortgage loans Mortgage programs Program evaluation Risk management Statistical data Mortgage protection insurance Other Written Product A17537 The U.S. Department of Housing and Urban Development (HUD), through its Federal Housing Administration (FHA), insures billions of dollars in home mortgage loans made by private lenders. FHA insures low down payment loans and a number of parties have made proposals to either eliminate or otherwise change FHA's borrower contribution requirements. GAO was asked to (1) identify the key characteristics of existing low and no down payment products, (2) review relevant literature on the importance of loan-to-value (LTV) ratios and credit scores to loan performance, (3) report on the performance of low and no down payment mortgages supported by FHA and others, and (4) identify lessons for FHA from others in terms of designing and implementing low and no down payment products. https://www.govinfo.gov/content/pkg/GAOREPORTS-GAO-05-194/html/GAOREPORTS-GAO-05-194.htm https://www.govinfo.gov/content/pkg/GAOREPORTS-GAO-05-194/pdf/GAOREPORTS-GAO-05-194.pdf GAO-05-194 https://www.govinfo.gov/app/details/GAOREPORTS-GAO-05-194 Other Written Product GAO-05-194; Mortgage Financing: Actions Needed to Help FHA Manage Risks from New Mortgage Loan Products; Data collection Homeowners loans Housing programs Insurance premiums Lending institutions Mortgage loans Mortgage programs Program evaluation Risk management Statistical data Mortgage protection insurance Public Law 101-508