NEW YORK (Reuters) - Two former Credit Suisse brokers were charged on Wednesday with fraud and conspiracy over deceptive sales of subprime-related auction-rate debt, government officials said, part of an industrywide probe of the securities. The U.S ... 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 insurance programs.