(RECAP: The FHA boosted its fees after a surge in defaults during the housing crash depleted its capital reserves. The increases, which have helped replenish the FHA’s coffers, have also prevented hundreds of thousands of first-time purchasers from getting FHA loans, according to an estimate from the National Association of Realtors. Now groups such as the Community Home Lenders Association and NAR are calling for the agency to partially roll back and restructure the fees. “When you’re asking young families to pay a couple hundred extra dollars every month in new FHA fees, you’re keeping a lot of them from becoming homeowners,” said Brian Chappelle, a former FHA director and partner at Potomac Partners LLC.)