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HUD announced final changes to FHA mortgage insurance premiums as expected: view the original post announcing the original changes back in August. At that time it was still undetermined how much the mortgage insurance would be changing. Today, we have that clarification and it doesn't seem to be as drastic as we originally thought. Although, as reported in our earlier post, HUD has the option to raise the annual premium to 1.5% (from 0.55% now for loans 95% LTV and higher), they instead opted for a less shocking rise to 0.90%.