Inflated home appraisals are partly responsible for what the Federal Housing Administration expects to be a $14.4 billion loss in mortgage insurance over the next few years—a cost that likely will be passed on to borrowers, according to an agency analysis. If the losses continue, the FHA may be forced to raise insurance premiums on its mortgages, The Wall Street Journal reports. The FHA insures about 11 percent of single-family residential mortgage debt.

The issue of inflated appraisals first surfaced in the reverse mortgage market. Homeowners use reverse mortgages to borrow against the value of their homes, and their lenders are repaid when the properties sell. But an inflated appraisal could result in the lender not recouping the entire value of the loan. In that case, the FHA is responsible for coming up with the difference.

Brian Montgomery, head of the FHA, says a review of 134,000 mortgages insured by the agency found that at least 37 percent of the properties were overvalued by 3 percent or more. Reverse mortgages make up about 6 percent of the FHA’s insurance portfolio.

The FHA says it has initiated a new process in which all appraisals submitted under its reverse mortgage program must be reviewed before lenders can close on a loan. Under this new process, the FHA will order a second appraisal if it believes a home has been overvalued.

Inflated appraisals were blamed for the housing bubble a decade ago. They decreased in frequency in subsequent years, but now they’re resurfacing as home prices skyrocket, housing officials say. “Appraisers seeking future business have little incentive in jeopardizing a loan closing by underestimating the collateral value,” according to a 2017 study by housing officials. That study prompted the FHA to do further investigation into the issue.

Real estate auctions have largely been considered an option for unloading foreclosures and distressed homes, but it’s becoming a growing option in the luxury market. The number of multimillion-dollar homes that have sold at auctions in the past year has nearly doubled, CNBC reports.

What is the most expensive home on record to have hit the auction block? CNBC reports that Playa Vista Isle, an estate that stretches more than 58,000 square feet in Hillsboro Beach, Fla., was listed in 2014 for $139 million. It was the priciest home listed in the country at the time. The price tag later jumped to $159 million before it was eventually pulled from the market in 2016. The oceanfront home features 11 bedrooms, 22 bathrooms, a private IMAX theater, a 3,000-bottle wine cellar, and a 20-car garage. The property owners will try once again to sell the estate but this time will use an auction. The auction for the home started Monday at ConciergeAuctions.com and concludes Thursday night.

Concierge Auctions, which caters to luxury real estate auctions, says it plans to sell at least 20 homes this year that will be listed for more than $10 million. That is double last year’s total, they say.

“The trend for high-end real estate going to auction is definitely on the rise,” Laura Brady, CEO of Concierge, told CNBC. “We’re seeing more sellers across the country than ever before, especially in the $10 million, $20 million–plus, and even $100 million–plus category.”

With the buyer pool being so small for these ultra-luxury properties, some owners are turning to auctions to try and get the homes sold faster.

However, auctions for high-end real estate aren’t always successful. For example, basketball all-star Michael Jordan put his Chicago estate up for auction in 2012, but failed to get his minimum price. The home is still on the market.

Grays, mixed metals, and farmhouse styles are some of the most popular trends for remodelers taking on sprucing up their master bathroom.

The 2018 U.S. Houzz Bathroom Trends Study is based on a survey of more than 1,100 homeowners who are planning or recently have completed a master bathroom renovation. Some of the trends that emerged from the report:

1. Seeing gray: Gray colors continue to dominate for walls and flooring in the bathroom. Gray cabinets are also gaining popularity, climbing from a 10 percent share in 2016 to 16 percent in 2018.

2. Taking the upgrade: More homeowners are upgrading their master bathrooms with special features when they remodel. The most popular premium features are dual showers, one-piece toilets, vessel sinks, and built-in vanities.

3. Mixing up the metals: Two in five renovating homeowners do not match metal finishes across fixtures and hardware in master bathrooms. Of the 58 percent of renovating homeowners who do match metal finishes, the most popular options are matte nickel and polished chrome (38 and 28 percent, respectively).

4. Going a little country: Farmhouse styles are jumping in popularity. While contemporary style continue to be the leading choice among renovating homeowners, the style has dropped over the past three years. Farmhouse style, on the other hand, has more than doubled in popularity, from 3 percent in 2016 to 7 percent in 2018.

5. Making it accessible: The majority of baby boomer homeowners (ages 55 or older) are addressing aging-related needs during master bathroom renovations. Nearly half of renovating baby boomers are changing the bathroom layout, and one-third are removing the bathtub. Other upgrades include installing accessibility features like seats, low curbs, grab bars, and non-slide floors in upgraded showers and bathtubs.

6. Building a master suite: The study found that homeowners are focusing on their master suite as a whole, not just the bathroom in their updates. Nearly half of master bathroom projects also were accompanied by master bedroom renovations (46 percent). Some homeowners are making their master baths even larger than their bedroom. One in ten master bathrooms is the same size or larger than the master bedroom (11 percent).