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GAO 09 848R Characteristics and Performance of Nonprime Mortgages Gao

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GAO 09 848R Characteristics and Performance of Nonprime Mortgages Gao

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>> Mr. Scire. >>Mr. Scire: Mr. Chairman, Ranking Member Shelby, members of the committee, thank you for the opportunity to be here today to discuss FHA's Mortgage Insurance Program. Since 1934, FHA has been an important player in the mortgage market, especially for first-time homebuyers. FHA insures these loans under its Mutual Mortgage Insurance Fund. Almost 1 year ago, HUD released the results of the latest independent actuarial review showing that the capital ratio used to measure the financial soundness of the Fund had declined to 0.53 percent, well below the statutory minimum of 2 percent. At the request of this committee, we have been evaluating the program and issued our first report yesterday. Overall, our work pointed to further actions needed to better evaluate the Fund's financial condition and guidance for rebuilding the capital ratio. Let me start by describing the reasons for the capital ratio's steep decline since its peak in 2006. Put simply, the capital ratio declined

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GAO 09 848R Characteristics and Performance of Nonprime Mortgages Gao

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How to create an eSignature for the gao 09 848r characteristics and performance of nonprime mortgages gao

How to create an electronic signature for a PDF online

How to create an electronic signature for a PDF in Google Chrome

How to create an e-signature for signing PDFs in Gmail

How to create an e-signature right from your smartphone

How to create an e-signature for a PDF on iOS

How to create an e-signature for a PDF on Android

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