{"id":62039,"date":"2026-01-14T03:05:09","date_gmt":"2026-01-14T02:05:09","guid":{"rendered":"https:\/\/housesmarketplace.com\/namb-urges-fha-to-end-lifetime-mortgage-insurance-rule\/"},"modified":"2026-01-14T03:05:09","modified_gmt":"2026-01-14T02:05:09","slug":"namb-urges-fha-to-end-lifetime-mortgage-insurance-rule","status":"publish","type":"post","link":"https:\/\/housesmarketplace.trio-tv.com\/ru\/namb-urges-fha-to-end-lifetime-mortgage-insurance-rule\/","title":{"rendered":"NAMB \u043f\u0440\u0438\u0437\u044b\u0432\u0430\u0435\u0442 FHA \u043e\u0442\u043c\u0435\u043d\u0438\u0442\u044c \u043f\u0440\u0430\u0432\u0438\u043b\u043e \u043e \u043f\u043e\u0436\u0438\u0437\u043d\u0435\u043d\u043d\u043e\u043c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0438 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432."},"content":{"rendered":"
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The National Association of Mortgage Brokers <\/strong>(NAMB) is urging the Federal Housing Administration <\/strong>(FHA) to end its \u201clife of loan\u201d mortgage insurance rule<\/a> and let borrowers cancel premiums once they\u2019ve paid down their loan to 78% of their home\u2019s value. NAMB believes the policy is outdated and unfair.<\/p>\n

Current rules<\/a> mean that many FHA borrowers must pay mortgage insurance premiums (MIP) for as long as they have their loan. And even if the borrower has paid off most of the principal and interest, the premiums don\u2019t stop.<\/p>\n

According to a statement from NAMB, the association is asking the FHA<\/a> to go back to the old rule, which allowed borrowers to stop paying MIP once their loan-to-value (LTV) ratio reaches 78%.<\/p>\n

NAMB said the policy, introduced in 2013 in the aftermath of the housing crisis, is no longer justified given the FHA\u2019s current financial strength. The trade group said that the FHA\u2019s most recent Mutual Mortgage Insurance Fund report<\/a> shows the agency is in a strong capital position. <\/p>\n

The U.S. Department of Housing and Urban Development <\/strong>reported that the MMI Fund\u2019s capital ratio at the end of September was 11.47%, unchanged from the same point a year earlier, and more than five times higher than the 2% statutory requirement.<\/p>\n

Borrowers who have paid MIP until reaching 78% LTV have effectively supported the FHA well beyond actuarial risk levels, the group said. NAMB argues that these borrowers should be eligible for premium relief now that the agency\u2019s financial health has been restored.<\/p>\n

NAMB President Kimber White<\/a> told HousingWire<\/strong> that doing away with the rule would help overall housing affordability. Right now, the current rule makes borrowers reluctant to refinance into a new FHA loan, since they\u2019d have to keep paying MIP indefinitely.<\/p>\n

\u201cThe average life of a borrower keeping a loan is seven years, is what they\u2019re saying. But these buyers under FHA, I find, probably aren\u2019t buyers that are really moving up. A lot of them keep their homes longer, and [they\u2019re] paying a mortgage insurance premium on their house. The risk of FHA is not fair,\u201d White said. <\/p>\n

Right now, White said, the rule is especially harsh for first-time homebuyers<\/a>.<\/p>\n

\u201cMost people who are using FHA are first-time homebuyers. \u2026 Most people using FHA are in that 100% or under AMI (area median income). So we\u2019re saying we want to help these people, and we want to help the affordability crisis and the affordability issues \u2026 but we\u2019re sitting over at FHA penalizing that first-time buyer who can never get rid of their MIP unless they refinance their loan.\u201d<\/p>\n

The life of loan policy has produced \u201cunintended market consequences,\u201d the group said in its statement. Borrowers seeking to refinance<\/a> to take advantage of home equity gains<\/a> or lower interest rates often leave the FHA program entirely to avoid ongoing mortgage insurance costs, shifting instead to conventional loans.<\/p>\n

\u201cThis migration is placing additional strain on Fannie Mae <\/strong>and Freddie Mac<\/strong>, who are absorbing loans that would naturally remain within the FHA system absent this policy barrier. Restoring traditional MIP cancellation at 78% LTV would strengthen FHA\u2019s loan portfolio and reduce unnecessary pressure on the government-sponsored enterprises<\/a>.\u201d<\/p>\n

NAMB said allowing qualified borrowers to cancel mortgage insurance at the traditional threshold would lower monthly payments, improve affordability<\/a> and support housing market stability while preserving the FHA\u2019s capital position.<\/p>\n

The group urged the FHA to adopt the change, calling it a commonsense reform that aligns with current market conditions and borrower needs.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

The National Association of Mortgage Brokers (NAMB) is urging the Federal Housing Administration (FHA) to end its \u201clife of loan\u201d mortgage insurance rule and let borrowers cancel premiums once they\u2019ve paid down their loan to 78% of their home\u2019s value. NAMB believes the policy is outdated and unfair. Current rules mean that many FHA borrowers […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-62039","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nNAMB urges FHA to end lifetime mortgage insurance rule - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/namb-urges-fha-to-end-lifetime-mortgage-insurance-rule\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NAMB urges FHA to end lifetime mortgage insurance rule - Houses Marketplace\" \/>\n<meta property=\"og:description\" content=\"The National Association of Mortgage Brokers (NAMB) is urging the Federal Housing Administration (FHA) to end its \u201clife of loan\u201d mortgage insurance rule and let borrowers cancel premiums once they\u2019ve paid down their loan to 78% of their home\u2019s value. 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