HFAs Face Troubled Housing MarketAffordable Housing Finance, CA -3 hours agoGarver sees the wider effects of tightening mortgage credit and sinking home values. To help, OHFA has increased counseling efforts and offered a loan... Many people dream of owning their own homes but only very few are able to pay cash for them. This is why FHA mortgages are one of the popular methods to find a source for consumer credit. People who could not otherwise afford to own a house become homeowners with the help of FHA mortgage insurance programs.