FHA lending will be different — and more costly — in 2013. If you’re a home buyer expecting to use the FHA‘s 3.5% downpayment mortgage program or an existing FHA homeowners planning to refinance via the FHA Streamline Refinance, consider moving up your timeframe. The longer you wait to lock your FHA rate, the more you stand to lose. Click here for today’s FHA mortgage rates. Surging Defaults Overwhelm FHA “Insurance Fund”  In its annual

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