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Mortgage Lending: Our Policy Positions

The issues policymakers are debating today will determine the shape of the mortgage market of the future. Some of the central issues before us include the fate of the government-sponsored enterprises (Fannie Mae and Freddie Mac), down payment requirements and the future of the Federal Housing Administration (FHA). CRL is advocating for:

  • Affordable, sustainable mortgages to be made available to all credit-worthy borrowers, including people of color and low wealth families. This includes affordable FHA and conventional mortgage loans.
  • No government mandated down payment requirements.
  • A continuing government role in supporting the mortgage market.
  • Strong foreclosure prevention options for borrowers.

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Senior Policy Counsel
Director of Latino Affairs
Executive Vice President