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Rural housing credit barriers widen for rural buyers
At least three factors hinder rural mortgage access. Dispersed settlements raise lending costs and limit banker scale. Many rural lenders lack required net worth for FHA and Fannie Mae approval, risking higher barriers for low and moderate income buyers. FHA processes deter opening rural lending departments, reducing loan availability and secondary market sales. Continued on page 14.
MENTIONED IN THIS ARTICLE
FHA
Fannie Mac
Freddie Mac
Fannie
Freddie