Faced with dwindling reserves at the Federal Housing Administration (FHA), Department of Housing and Urban Development (HUD)Secretary Shaun Donovan said he is "actively looking" at increasing the government mortgage insurance program's premiums and down-payment requirements.

Depending on the magnitude, such changes could make it harder for borrowers to get FHA loans — and as a result could also drive down volumes for a product that has sustained many lenders through the downturn.

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