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It created the Federal Housing Administration (FHA) [3] and the Federal Savings and Loan Insurance Corporation (FSLIC). [4] The Act was designed to stop the tide of bank foreclosures on family homes during the Great Depression. Both the FHA and the FSLIC worked to create the backbone of the mortgage and home building industries, until the 1980s ...
The typical deck railing is generally built from pressure treated lumber. [14] Posts on a deck are also typically pressure treated wood and standard sizes are 4x4, 6x6, and 8x8. These posts give structural support to the railing assembly and are the most critical part for the safety of the guard rail assembly. [ 15 ]
The Federal Housing Administration (FHA) implemented mortgage underwriting standards that had a discriminatory impact on minority neighborhoods. This discriminatory practice is evident in the fact that between 1945 and 1959, African Americans received less than 2 percent of all federally insured home loans.
FHA’s minimum property standards, on the other hand, address the specific regulatory requirements surrounding the safety, soundness and security of new construction.
Here’s an overview of the requirements for an FHA loan: FHA credit score: As low as 580 with a 3.5 percent down payment or as low as 500 with a 10 percent down payment
There are two types of FHA construction loans: an FHA construction-to-permanent loan and a FHA 203(k) loan. FHA construction loans can be rolled into an FHA permanent mortgage.
Depiction of New York World Building fire in New York City in 1882. Building codes in the United States are a collection of regulations and laws adopted by state and local jurisdictions that set “minimum requirements for how structural systems, plumbing, heating, ventilation, and air conditioning (), natural gas systems and other aspects of residential and commercial buildings should be ...
The United States Housing and Economic Recovery Act of 2008 (commonly referred to as HERA) was designed primarily to address the subprime mortgage crisis.It authorized the Federal Housing Administration to guarantee up to $300 billion in new 30-year fixed rate mortgages for subprime borrowers if lenders wrote down principal loan balances to 90 percent of current appraisal value.