ANNAPOLIS, Md., Jan. 27 /PRNewswire/ -- Real estate foreclosure experts at USHUD.com and Heavy Hammer, Inc., predict the Federal Housing Administration will once again dominate the foreclosure landscape, holding title to 49 percent of residential foreclosure properties by 2018. As a result of the real estate market crash through 2009, Fannie Mae and Freddie Mac surpassed FHA for the first time with a combined 61 percent of the foreclosure market. In the early 1990s, lending institutions were in a race to the bottom, relaxing lending requirements so to compete with FHA as the dominant insurer of mortgages. A pioneer in innovative and arguably reckless lending practices was the nonprofit Nehemiah Corp., which facilitated down payment assistance “gifts” from buyers to sellers for FHA mortgages, resulting in a foreclosure rate 500 percent higher than the traditional FHA mortgage. According to USHUD.com, the federal government banned the practice in 2008, but not until Nehemiah raked in about $200 million in profits and the market was in shambles. Now, the pendulum is swinging the other way, says Michael Urbanski, CEO of Heavy Hammer, Inc., and USHUD.com. “Lenders have been badly stung by recent waves of foreclosures and are returning to conservative lending practices,” Urbanski said. “FHA is positioned to receive a sharp increase of mortgages, which will result in more FHA foreclosures, though less than when the Nehemiah program was in full swing.” As lending practices correct, USHUD.com is working to educate buyers and real estate professionals about sound fundamentals of the real estate foreclosure industry. “At USHUD.com, we believe it is our responsibility to help the American homebuyer avoid the mistakes and scams that contributed to the housing crises and make the best decisions for themselves and their families,” Urbanski said. Headquartered in Annapolis, Heavy Hammer, Inc., is an online networking and consulting company advocating for American homebuyers, connecting them with trusted experts and valuable resources. Driving one of the most widely used suites of foreclosure Websites, Heavy Hammer delivers all-inclusive, free lists of foreclosure properties to more than 500,000 homebuyers monthly. In business since 1998, Heavy Hammer has focused on geographically-based ad serving technology and processes allowing thousands of professionals to target specific locations, connecting directly with consumers in specific locations. Starting with USHUD.com, this group of sites now includes more than 30 state- and region-specific sites.