Overall, however, home sales — measured by average price and number of homes sold — remain well above average springtime levels seen during the past five years.The Greater Fairbanks Board of Realtors reported Tuesday that one-quarter fewer homes sold around Fairbanks during the first three months of 2008 than the same stretch last year. The loan itself is made by a bank, a savings and loan association, a mortgage company, a credit union, or any other lender. For it to become an FHA mortgage loan, the lender would have to be approved by the Federal Housing Administration.