The Mortgage Files
Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.
Could FHA Mortgage Insurance Be Reduced Again? Here’s What Homebuyers Should Know
By Scott Sheldon
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August 20, 2026
If you’ve been thinking about buying a home with an FHA loan, you may have heard some chatter throughout the mortgage industry about another possible reduction in FHA mortgage insurance premiums (MIP). Before we go any further, it’s important to separate fact from speculation. As of today, the Federal Housing Administration (FHA) has not announced…
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