NEW YORK (AP) — Stocks headed for a lower open Tuesday as investors, anxious about the nation’s stumbling lenders, awaited a speech by Federal Reserve Chairman Ben Bernanke…. Klicka här för att läsa hela nyheten 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).