For the last three years, private mortgage insurers have suffered two great woes: credit losses on policies written before the crisis and an inability to compete with Federal Housing Administration (FHA) prices on new insurance.

The latter problem, however, may soon be taken care of. On Oct. 4, the FHA plans to raise its premiums. Industry players and analysts say this price hike could restore the competitiveness of private insurance, potentially letting the companies win back market share and rebuild their reserves.

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