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Housing Finance: Characteristics of Borrowers of FHA-Insured Mortgages

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Report Type Reports and Testimonies
Report Date April 6, 1994
Report No. RCED-94-135BR
Subject
Summary:

The Federal Housing Administration (FHA), created during the Depression to insure lenders against losses on home mortgages and to expand opportunities for low- and moderate-income persons to buy homes, had nearly $320 billion in mortgages outstanding as of September 1992. FHA insured 5.6 percent of all single-family mortgages made in 1992. This briefing report provides information on the characteristics of borrowers with single-family home loans insured by FHA through its Mutual Mortgage Insurance Fund. GAO examines how the income, age, and race of borrowers of FHA-insured mortgages and the location of their homes have changed since the 1970s, when FHA first began collecting data on these characteristics.

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