FHA is on the road to tightening up !!

I hate to think where we are headed in the Real Estate Market if FHA raises the down payment required on an FHA mortgage? The other option I have heard to help raise the reserves fund for FHA, which remains dangerously low, is to consider raising the UFMIP and Monthly factors. This would be much more "gentle" as this would slightly raise overall mortgage payment to the borrower without removing the purchase option altogether which is what I'm afraid an increase in down pmt would do.