--- title: Houston Mortgage Blog | Houston Home Loan Blog | HomeStart | Avoid Mortgage Insurance description: Avoid Mortgage Insurance | Our Houston mortgage blog provides solid advice about mortgage related topics in Texas. --- [![homestart_capital-logo](https://www.homestartcapital.com/hs-fs/file-16929747-png/images/homestart_capital-logo.png?width=286&name=homestart_capital-logo.png)](https://www.homestartcapital.com/) ## **713.275.2785** # Houston Mortgage Blog ## [The FHA reverses previously announced MI reduction](https://www.homestartcapital.com/houston-mortgage-blog/fha-reverses-previously-announced-mi-reduction) Posted by [Daniel Jara](https://www.homestartcapital.com/houston-mortgage-blog/author/daniel-jara) on Mon, Jan, 23, 2017 @ 10:01 AM - [Tweet](https://twitter.com/share) [![](https://www.homestartcapital.com/hubfs/6.png) ](https://www.homestartcapital.com/houston-mortgage-blog/fha-reverses-previously-announced-mi-reduction) Friday Jan 20th came with big news. HUD, in what may be an unprecedented move announced its reversal to its previously announced annual mortgage insurance (MI) reduction which had just been scheduled 11 days prior and set to take effect January 27th. The reduction was to be almost 30% on the most popular program; 30yr mortgage with a 3.5% down payment. [Read More](https://www.homestartcapital.com/houston-mortgage-blog/fha-reverses-previously-announced-mi-reduction) 0 Comments [Click here to read/write comments](https://www.homestartcapital.com/houston-mortgage-blog/fha-reverses-previously-announced-mi-reduction#comments-listing) Topics: [Avoid Mortgage Insurance](https://www.homestartcapital.com/houston-mortgage-blog/topic/avoid-mortgage-insurance), [fha](https://www.homestartcapital.com/houston-mortgage-blog/topic/fha), [Mortgage insurance](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-insurance) ## [FHA loans increases its costs 75% overnight!](https://www.homestartcapital.com/houston-mortgage-blog/bid/133538/FHA-loans-increases-its-costs-75-overnight) Posted by [Daniel Jara](https://www.homestartcapital.com/houston-mortgage-blog/author/daniel-jara) on Tue, Apr, 10, 2012 @ 07:04 AM - [Tweet](https://twitter.com/share) [![](https://www.homestartcapital.com/hs-fs/file-16937149-jpg/images/man-with-head-in-hands-1-27-11jpg.jpg) ](https://www.homestartcapital.com/houston-mortgage-blog/bid/133538/FHA-loans-increases-its-costs-75-overnight) That’s right. No exaggeration here. Starting this past Monday April 9th all FHA loan files will reflect a slew of new changes NONE of which are here to favor the home buyer. Through these changes FHA has tighten the purse strings on financing and some pundits, including [yours truly](https://www.homestartcapital.com/about/daniel-jara/), believe it’s because FHA just cannot handle the current risk of continuing to absorb close to 8x the volume they used to handle prior to the sub-prime crisis. As some in the industry now call it, “FHA **IS** the new subprime” or at least it used to be. Starting in early 2009 FHA started making major changes to their underwriting requirements and steadily increased its mortgage insurance costs but nothing as financially drastically as these changes. [Read More](https://www.homestartcapital.com/houston-mortgage-blog/bid/133538/FHA-loans-increases-its-costs-75-overnight) 1 Comment [Click here to read/write comments](https://www.homestartcapital.com/houston-mortgage-blog/bid/133538/FHA-loans-increases-its-costs-75-overnight#comments-listing) Topics: [Avoid Mortgage Insurance](https://www.homestartcapital.com/houston-mortgage-blog/topic/avoid-mortgage-insurance), [mortgage](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage), [Purchase](https://www.homestartcapital.com/houston-mortgage-blog/topic/purchase) ## [Three Best Ways to Avoid Paying Mortgage Insurance When Purchasing or Refinancing a Home.](https://www.homestartcapital.com/houston-mortgage-blog/bid/125837/Three-Best-Ways-to-Avoid-Paying-Mortgage-Insurance-When-Purchasing-or-Refinancing-a-Home) Posted by [Eduardo Adame](https://www.homestartcapital.com/houston-mortgage-blog/author/eduardo-adame) on Thu, Feb, 23, 2012 @ 07:02 AM - [Tweet](https://twitter.com/share) [![](https://www.homestartcapital.com/hs-fs/file-16945542-jpg/images/refinance-your-home.jpg) ](https://www.homestartcapital.com/houston-mortgage-blog/bid/125837/Three-Best-Ways-to-Avoid-Paying-Mortgage-Insurance-When-Purchasing-or-Refinancing-a-Home) [Read More](https://www.homestartcapital.com/houston-mortgage-blog/bid/125837/Three-Best-Ways-to-Avoid-Paying-Mortgage-Insurance-When-Purchasing-or-Refinancing-a-Home) 0 Comments [Click here to read/write comments](https://www.homestartcapital.com/houston-mortgage-blog/bid/125837/Three-Best-Ways-to-Avoid-Paying-Mortgage-Insurance-When-Purchasing-or-Refinancing-a-Home#comments-listing) Topics: [Avoid Mortgage Insurance](https://www.homestartcapital.com/houston-mortgage-blog/topic/avoid-mortgage-insurance) [All posts](https://www.homestartcapital.com/houston-mortgage-blog/all) ### Subscribe via E-mail ### Latest Posts ### Posts by category - [2014 economic forum (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/2014-economic-forum) - [Avoid Mortgage Insurance (3)](https://www.homestartcapital.com/houston-mortgage-blog/topic/avoid-mortgage-insurance) - [Build Equity Faster (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/build-equity-faster) - [economic growth (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/economic-growth) - [fha (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/fha) - [housing (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/housing) - [Houston (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/houston) - [How to Make it In the Mortgage Business (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/how-to-make-it-in-the-mortgage-business) - [jobs (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/jobs) - [mortgage (5)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage) - [Mortgage Companies Houston (4)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-companies-houston) - [Mortgage insurance (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-insurance) - [Mortgage Refinance (3)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-refinance) - [Mortgages (4)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgages) - [Purchase (3)](https://www.homestartcapital.com/houston-mortgage-blog/topic/purchase) - [recovery (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/recovery) - [Refinance (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/refinance) - [Retirees (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/retirees) - [Tax Filing Blunders (5)](https://www.homestartcapital.com/houston-mortgage-blog/topic/tax-filing-blunders) - [Underwriting time (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/underwriting-time) - [When should you lock your mortgage rate (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/when-should-you-lock-your-mortgage-rate) - [Why HomeStart Capital? 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