The author is expressing concern about the potential phase-out of non-subsidized FHA insurance programs and the mortgage-backed security program of GNMA. The author argues that these programs have been successful in serving the public and have played a major role in meeting housing goals. They also highlight the importance of stability in the mortgage market and the need for these programs to continue. The author requests support for the continuation of these programs and suggests that if credit limits are needed, they should be set at reasonable amounts.