1/21/2010 San Francisco Chronicle: FHA tightens rules for riskier borrowers

"Government-backed mortgages... will be a bit tougher to obtain following reforms introduced Wednesday..."

"Insurance premiums will go from 1.75 to 2.25 percent of the loan amount... Borrowers will have to have a minimum credit score of 580 (out of 850) if they want to put down only 3.5 percent; borrowers with a score lower than 580 will have to put down at least 10 percent..."

"Seller concessions are reduced from a maximum of 6 percent of the purchase price to 3 percent..."