The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of whole loan, competitive auctions, offering for purchase defaulted single family mortgages provided by FHA-approved loan servicers. The loans sold contain specified representations and warranties and may be sold with post-sale restrictions and/or reporting requirements. Currently, the FHA is selling loans in large national pools, as well as loan pools in designated geographical areas that are aimed at a neighborhood stabilization outcome (“NSO pools”).

The Federal Housing Finance Agency (FHFA) was established by the Housing and Economic Recovery Act of 2008 (HERA) and is responsible for the supervision, regulation, and housing mission oversight of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Bank (FHLBank) System, which includes 11 FHLBanks and the Office of Finance. FHFA’s mission is to ensure its regulated entities fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity for equitable and sustainable housing finance and community investment throughout the economic cycle. Since 2008, FHFA has also served as conservator of Fannie Mae and Freddie Mac (collectively, the Enterprises).

The Federal Housing Administration, generally known as FHA, provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. FHA insures mortgages on single family and multifamily homes including manufactured homes and hospitals. It is the largest insurer of mortgages in the world, insuring over 34 million properties since its inception in 1934. The insurance is force represents the outstanding balance of an active loan.

The Maryland Department of Housing and Community Development offers multifamily finance programs for the construction and rehabilitation of affordable rental housing units for low to moderate income families, senior citizens and individuals with disabilities. Our multifamily bond programs issues tax-exempt and taxable revenue mortgage bonds to finance the acquisition, preservation and creation of affordable multifamily rental housing units in priority funding areas. By advocating for increased production of rental housing units, we help create much-needed jobs and leverage opportunities to live, work and prosper for hardworking Maryland families, senior citizens, and individuals with disabilities throughout the state. DISCLAIMER: Some of the information may be tied to the Department’s bond funded loan programs and should not be relied upon in making an investment decision. The Department provides comprehensive quarterly and annual financial information and operating data regarding its bonds and bond funded loan programs, all of which is posted on the publicly-accessible Electronic Municipal Market Access system website (commonly known as EMMA) that is maintained by the Municipal Securities Rulemaking Board, and on the Department’s website under Investor Information. More information accessible here: http://dhcd.maryland.gov/Investors/Pages/default.aspx

FHFA is required to monitor and report annually on the Federal Home Loan Banks' support of their low-income housing and community development activities to the Federal Home Loan Banks' Advisory Councils. This report fulfills that requirement. This report addresses the FHLBanks’ activities to support low-income housing and community development. The FHLBanks support a range of these activities through three programs: the statutorily-mandated Affordable Housing Program (AHP), the statutorily-mandated Community Investment Program (CIP), and the voluntary Community Investment Cash Advance Program (CICA). Under these programs, the FHLBanks provide loans (referred to as advances) and grants to their members, and their members then use these funds to assist very low- and low- or moderate-income households and communities. The report also covers FHLBank Community Support Programs, non-depository Community Development Financial Institution (CDFI) membership, and FHLBank performance on housing goals.

Listing of SONYMA target areas by US Census Bureau Census Tract or Block Numbering Area (BNA). The State of New York Mortgage Agency (SONYMA) targets specific areas designated as ‘areas of chronic economic distress’ for its homeownership lending programs. Each state designates ‘areas of chronic economic distress’ with the approval of the US Secretary of Housing and Urban Development (HUD). SONYMA identifies its target areas using US Census Bureau census tracts and block numbering areas. Both census tracts and block numbering areas subdivide individual counties. SONYMA also relates each of its single-family mortgages to a specific census tract or block numbering area. New York State identifies ‘areas of chronic economic distress’ using census tract numbers. 26 US Code § 143 (current through Pub. L. 114-38) defines the criteria that the Secretary of Housing and Urban Development uses in approving designations of ‘areas of chronic economic distress’ as: i) the condition of the housing stock, including the age of the housing and the number of abandoned and substandard residential units, (ii) the need of area residents for owner-financing under this section, as indicated by low per capita income, a high percentage of families in poverty, a high number of welfare recipients, and high unemployment rates, (iii) the potential for use of owner-financing under this section to improve housing conditions in the area, and (iv) the existence of a housing assistance plan which provides a displacement program and a public improvements and services program. The US Census Bureau’s decennial census last took place in 2010 and will take place again in 2020. While the state designates ‘areas of chronic economic distress,’ the US Department of Housing and Urban Development must approve the designation. The designation takes place after the decennial census.

Multifamily Portfolio datasets (section 8 contracts) - The information has been compiled from multiple data sources within FHA or its contractors. HUD oversees more than 22,000 privately owned multifamily properties, and more than 1.4 million assisted housing units. These homes were originally financed with FHA-insured or Direct Loans and many are supported with Section 8 or other rental assistance contracts. Our existing stock of affordable rental housing is a critical resource for seniors and families who otherwise would not have access to safe, decent places to call home.

This service provides data on Federal Housing Administration (FHA) single family, Real Estate Owned (REO) properties that are up for sale. The U.S. Department of Housing and Urban Development's Real Estate Owned (REO) properties are the result of the Federal Housing Administration (FHA) paying a claim to a lending institution on a foreclosed property which was financed with an FHA Insured Mortgage, and the lender has transferred ownership of the property of to HUD. Typically, title to the property is not transferred (or the claim paid) until the previous owner is evicted from the property. Normally, after the home is transferred to HUD, the property will go up for auction on the HUD Home store website.

The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 establishes a duty for Fannie Mae and Freddie Mac (the Enterprises) to serve the housing needs of very low-, low-, and moderate-income families in rural areas. FHFA has issued a final rule that provides eligibility for Duty to Serve credit for Enterprise mortgage purchases and other activities in “rural areas,” as defined in the rule. Additionally, the final rule specifies supportfor high-needs rural regions as a Regulatory Activity that the Enterprises may consider when developing their plans for the Duty to Serve program. FHFA’s 2017 Rural Areas File designates census tracts in the Metropolitan Statistical Areas (MSAs) and outside of MSAs of the 50 states, the District of Columbia, and Puerto Rico that are considered rural areas or non-rural areas under the final rule. The File also identifies whether census tracts are located in “high-needs” counties in order to determine whether tracts meet the definition of “high-needs rural regions” in the final rule.