letter dated May 21 saying he had 28 days to respond in writing or it would be assumed he had given his consent to a fixing outside his 2nd-floor flat. ...Anger over tram power wires lettersScotsman, United Kingdom -1 hour ago... FHA (HUD0 insures then insures the loan and pays the lender if the borrower defaults on the mortgage. The protection offered by FHA mortgages to lenders allows them to be more liberal with their terms than the prospective homeowner might otherwise obtain.