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NAR President Gary Thomas made a strong case for careful action by Congress as it decides what, if anything, it should do about the FHA.
The number of U.S. homes in the foreclosure pipeline contracted in January, marking the 15th straight month of annual declines.
More homeowner associations are putting the brakes on foreclosure auctions of delinquent home owners and encouraging short sales instead.
Short sales surged in 2012 to a level that was nearly triple the amount of foreclosures.
Home values could surge 35 percent without stretching housing affordability, says a vice president with LPS Applied Analytics.
"FHA helped fill the void over the past five years after private lending fled the market by providing safe, affordable access to mortgage credit to millions of Americans," NAR President Gary Thomas said in testimony before Congress.
Minnesota has some of the nation's highest indoor levels of radon, and state health officials are proposing that home buyers get greater warnings about the deadly gas.