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Mortgage Lending: The Problem

Now that rules are in place (PDF) are in place, many of the lending abuses that caused the housing crisis are now illegal. However, many credit-worthy borrowers are not able to access responsible loans in today's unprecedented tight credit environment. There are three distinct issues:

  • Ensure that all credit-worthy borrowers can access responsible, affordable mortgages;
  • Ensure that the future housing finance system serves all credit-worthy borrowers;
  • Provide options for borrowers who continue to experience foreclosures.

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