Premiums for mortgage insurance shall be determined by the Fund from time to time for various programs and types of mortgage insurance. Premiums may be set at different levels for different categories of loans and loan programs depending on the risk factors, which may include the: Depth of insurance coverage; Length of mortgage term; Financial capability of the borrower; Credit rating of the borrower; and Condition of property securing loan. The Fund shall maintain a publicly available premium rate sheet with a stated effective date for the premiums. The Fund may offer insurance on mortgage loans that are within a pool of mortgages as described in the applicable insurance policy. The Fund may enter into reinsurance, coinsurance, and risk-sharing arrangements with other insurers and lenders, as approved by the Secretary.