We need to make the FHA an independent agency like the FDIC, where every authorized seller/servicer pays an insurance premium to be a “member” and the commissioner is given the tools to react quickly to a housing crisis based on what’s good for the country, without political partisanship. After all, FHA is an insurance fund, not a mortgage banking entity. Risk is the issue; Risk management is the key component to making FHA the correct point of government facilitation....