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Housing Administration The Federal Housing Administration was created under the provisions of the 1934 National Housing Act, an aspect of the New Deal program of legislation during the administration of President Franklin D. Roosevelt. The Federal Housing Administration is a government corporation within the Department of Housing and Urban Development. The Federal Housing Administration specifically insures private home mortgages for single family homes as well as those for condominiums, cooperative apartments, multi-family apartment buildings, nursing homes, and hospitals. These FHA loans are designed to offer low down payments and to be accessible through a simplified process of credit qualification. FHA loans are available for individuals with less than perfect credit scores making the loans an attractive option for many first time home owners. In addition to loans available for the purchase of a new home, the Federal Housing Administration also has programs that allow homeowners to seek funds for the repair o their homes. More terms explained |
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