; (4) shall provide, among other mortgage insurance products, for the availability of a 30-year fixed-rate mortgage; (5) may acquire, hold, use, improve, deal in, or dispose of, by any means, any interests in any real property or any personal property; (6) may execute contracts, and make other agreements in its own name, with any agency, public or private entity, or other person, and carry out any lawful requirement of such contracts, grants, or other agreements; (7) may take any actions, including the restructuring of debt, that the FHA determines are necessary to manage any portfolio (including the portfolio of the FHA and the Rural Housing Service) of property, assets, and obligations; (8) may— (A) create and supply, alone or in cooperation with public or private entities or persons, any product or service consistent with its corporate purposes; and (B) assess fees and charges for such products, information, and services in amounts, as determined by the FHA, that— (i) do not exceed their value in the market; (ii) permit the FHA to recover its fully allocated long-term costs; and (iii) permit the FHA to maintain the level of capital determined by the FHA to be necessary and sufficient to carry out the public purposes of the FHA and as required under subtitle C; (9) may create distinct insurance funds or other devices to segregate or permit limitations on liability for business activities or accounts; (10) may qualify any person or entity to engage in business with the FHA and may enforce and impose penalties for the breach of any duties, obligations, and other commitments made by such persons or entities; (11) shall take actions necessary to administer its business in a nondiscriminatory manner