Horton, Inc. (DHI), Lennar Corporation (LEN), PulteGroup, Inc. (PHM) and Toll Brothers Inc (TOL). By David Becker, InvestorPlace Contributor Declining interest rates, falling gasoline prices, solid job growth and the recent announcement by the FHA that it would lower mortgage insurance premiums have been the catalysts behind the breakout in housing-related stocks. Friday’s announcement by the Federal Housing Administration that premiums on mortgage insurance would be lower added to the rally in housing-related stocks.