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housingwire – OPINION: AGENCIES ARE KEY TO FIXING HOUSING AFFORDABILITY

It’s an election year, and housing affordability appears to be a big concern for voters. So, it’s not surprising to see the administration and members of Congress announcing big ticket legislative initiatives to boost homeownership – like a 1st time homebuyer tax credit and the Neighborhood Investment Act to fix up older homes. The Community Home Lenders of America (CHLA) applauds these initiatives. With the

HousingWire – Opinion: Agencies are key to fixing Housing Affordability

The reality is that when it comes to homeownership affordability, gains aren’t made through big legislative proposals, but through positive incremental steps by the agencies that run our federal mortgage programs. As the legendary Ohio State football coach Woody Hayes put it, “Three yards and a cloud of dust.”

National Mortgage News – What IMB Advocates Want in the Year Ahead

“As this year’s IMB Report explains, IMBs overwhelmingly originate federal agency mortgage loans, then sell them to diversified investors through securitization or sell them to aggregators.  As a result, even if there are mortgage loan losses or declining mortgage asset values, IMBs are very much insulated. ”

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