Viewpoint: Temper Ideals with Reality in Housing Reform

Laudable goal of reducing government footprint needs to be weighed against what policy changes will accomplish

By Michael Delehanty, chief financial officer, Community Home Lenders Association |  bio

This spring, the Community Home Lenders Association (CHLA) hosted a roundtable in Washington, D.C., on federal government mortgage programs and their role in ensuring access to credit and affordable homeownership. This included a discussion on government mortgage programs and government-sponsored enterprises (GSEs) focusing on mortgage lending since the housing crisis of 2008.

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Michael Delehanty is the chief financial officer of Mountain West Financial, headquartered in Redlands, Calif., and a board member of the Community Home Lenders Association (CHLA). He has spent over 20 years in the mortgage industry focusing primarily in capital markets and management. He can be reached at or (909) 255-8322.