RGE Monitor, NY -7 hours agoHouseholds in the US have too much debt (subprime, near prime, prime mortgages, home equity loans, credit cards, auto loans and student loans) while their ...HOME (Home Owners’ Mortgage Enterprise): A 10 Step Plan to Resolve ... Does the lender make privately or federally insured or guaranteed loans? Some mortgage loans may be backed by a federal agency, such as the Federal Housing Administration (FHA loans) or the Department of Veterans Affairs (VA loans).