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. After notching up gains in 2014, housing stocks are outperforming the broader markets.