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Code · BILL · 113th Congress · H.R. 3550 (Introduced in House) — To stabilize the housing and banking sectors by eliminating policies that distort markets and facilitate risky lendin... · Sec. 141

Sec. 141. Reduction of FHA mortgage insurance coverage

268 words·~1 min read·/bill/113/hr/3550/ih/section-141

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Title II of the National Housing Act ( 12 U.S.C. 1707 et seq. ), as amended by the preceding provisions of this Act, is further amended by adding at the end the following new section: Notwithstanding any other provision of this title, the Secretary may not insure, or make any commitment to insure, any portion of any mortgage on a 1- to 4-family residential property in excess of the amount equal to the following percentage of the original principal obligation of the mortgage: In the case of any such mortgage insured after the date of the enactment of the New Fair Deal Banking and Housing Stability Act of 2013 , 80 percent of such original principal obligation, subject to paragraphs
(2)through (5). In the case of any such mortgage insured after the expiration of the 1-year period beginning on the date of the enactment of such Act, 70 percent of such original principal obligation, subject to paragraphs
(3)through (5). In the case of any such mortgage insured after the expiration of the 2-year period beginning on the date of the enactment of such Act, 60 percent of such original principal obligation, subject to paragraphs
(4)through (5). In the case of any such mortgage insured after the expiration of the 3-year period beginning on the date of the enactment of such Act, 50 percent of such original principal obligation, subject to paragraph (5). In the case of any such mortgage insured after the expiration of the 4-year period beginning on the date of the enactment of such Act, 40 percent of such original principal obligation. .
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Sec. 141
Reduction of FHA mortgage insurance coverage
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