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Comment-Fewer Borrowers Would Be eligible for FHA-Covered Mortgages: Numerous commenters cite the study of Bodies Responsibility Workplace (GAO) on the Adaptation Proposals Could have Program and you may Budget Ramifications and want Proceeded Improvements for the Risk Government, to argue that exposure-founded cost manage club a way too high number of individuals off qualifying to have good FHA-covered home loan. Such, you to definitely commenter reprinted Profile cuatro regarding statement and you can mentioned: As it is obviously evidenced significantly more than, new imposition of chance-established pricing commonly arbitrarily redline out 20% of all latest FHA users and you will an entire thirty two% off African-American family and you may 20% off Latino parents currently utilizing FHA.
HUD Response: FHA considering the information and knowledge utilized in the fresh new GAO research and do maybe not conflict the results. Continue reading
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