AHA is looking forward to working with Secretary Mnuchin as he takes over the distinguished post at the U.S. Treasury Department. We recently wrote him a letter outlining the specific ways we would like to engage with the Treasury to look out for the interests of our members. Letter from America’s Homeowner Alliance to Secretary […]

For most of this election season, we were hoping that the candidates and at least one debate question touched on something that was glaringly obvious to us who were watching at home… our homes. The lack of focus on how federal policies will impact us where we rest our heads each night was frustrating. We […]

The ongoing policy debate regarding the federal government’s role in the housing marketplace often pits taxpayers against homeowners, as if their goals are separate and somehow incompatible. Although the national rate of homeownership has dropped to a 48-year low of 63 percent, the fact still remains that the taxpayer on one side of the debate, […]

Would-be homebuyers recently averted a major price hike by the narrowest of margins. No, this potential hike had little to do with the wholesale cost of building materials, the cost of borrowing capital, a scarcity of inventory, or the transaction costs of builders, realtors or lenders. Rather, the latest proposed tax on new homeowners was […]

Even the most casually informed reader has likely heard at least some of the troubling news and numbers tied to homeownership in America today. American homeownership is at its lowest level in more than two decades, and trending lower. The recent foreclosure crisis stripped away more than $7 trillion in homeowner value in only a […]

The case for the widespread use of housing counseling in America’s residential housing marketplace is both simple and straightforward: virtually everyone who has a hand in the construction, financing and sale of an American home today is made better by the presence of U.S. Department of Housing and Urban Development (HUD)-certified housing counseling at some […]

America’s national housing policy seems, in a word, adrift: rudderless, following the whims of the prevailing political winds of the day, the ebb and flow of the ocean’s tides, wherever they might take us. Destination utterly unknown. Case in point: On January 7, President Barack Obama announced that the Federal Housing Administration (FHA) will lower […]

Mortgage guarantor giants Fannie Mae and Freddie Mac both recently announced their intent to once again begin purchasing mortgage loans at 97 percent loan-to-value (LTV) in the case of first-time homebuyers. The result in housing policy circles has been a lively debate surrounding the wisdom of featuring such loans in an effort to jump-start purchases […]

Recently released mortgage disclosure data findings indicate that a majority of future U.S. households could face significant challenges in achieving homeownership. Data collected and made public under the Home Mortgage Disclosure Act (HMDA) indicates that Black homebuyers represented an astonishingly low 4.8 percent of all home purchase loans originated in 2013. Additionally, conventional loan denial […]

Loan guaranty fees, the price charged to mortgage lenders and passed along to borrowers on mortgage loans sold to Fannie Mae and Freddie Mac, have almost doubled since 2011. The reason why is quite simple: An act the 112th Congress of the United States passed in the waning days of December 2011 made this increase […]

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