Big Government & the Housing CrashBullionVault (press release), UK -May 15, 2008Another bill – HR 5818 the Neighborhood Stabilization Act – would provide $15 billion in loans and grants to localities to purchase and renovate foreclosed ... 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).