即使在今天，联邦房屋管理局仍然在为危险的次级抵押贷款提供担保。

Even today, the Federal Housing Authority is backing dangerous subprime loans.

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联邦房屋管理局典型的75个基点保费也要提高25个基点。

FHA's fees, typically 75 basis points, will rise by 25.

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第三个方案是，联邦房屋管理局职能依旧，但可以在更广的抵押贷款范围内再保险。

The third option would be to keep the FHA and sell reinsurance on a broader range of mortgages.

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