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Affordable housing

Mixed-density housing keeps expanding as affordability reaches a breaking point

Affordable housing, Contributors, Housing Market, HWmember, Opinion /

Housing affordability – and its impact on Americans’ quality of life – is becoming a market- and generation-defining issue. Higher interest rates, constrained inventory, rising land costs, and slower wage growth have combined to push homeownership further out of reach for many, especially first-time buyers, middle-income households, and those seeking new construction. At the same […]

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Massachusetts studies adding supply with single-stair apartments

Affordability, Affordable housing, Architecture, Policy, The Builder's Daily /

America’s quilt work of states whose governors and lawmakers are bucking for housing policy change to break through supply constraints at the root of the nation’s affordability crisis now counts Massachusetts among them. With a focus on prohibitively constrictive building codes and zoning ordinances, Gov. Maura Healey has adopted an approach officials in other states

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What the Housing for the 21st Century Act means for real estate agents, lenders

Affordable housing, ALTA, Congress, Donald Trump, Homebuilders, House of Representatives, Housing Inventory, HUD, HWmember, Lenders, Mortgage, National Association of Realtors, National Housing Conference, Real Estate, Regulatory Compliance, Trump administration, Zoning /

The Housing for the 21st Century Act — a sweeping housing reform package moving through Congress — is the boldest step yet in a broad federal push to increase housing supply and improve affordability. The legislation directs the U.S. Department of Housing and Urban Development (HUD) to publish “best practices” for states and local governments

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Will New York’s manufactured housing law reshape home financing?

Affordability, Affordable housing, Manufactured Housing, Policy, The Builder's Daily /

New York Gov. Kathy Hochul signed a long-awaited state law designating manufactured housing as real estate in December. In the 11 months ahead, the question is whether the newly enacted measure can deliver on its promised mortgage-style financing or stalls amid legislative rulemaking. Regulators, lenders, and manufactured housing advocates will spend this year working out

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MBA, lenders rally behind Housing for 21st Century Act

Affordable housing, Housing markets, Originations, Politics and policy /

As the House prepares to vote next week on the Housing for the 21st Century Act, mortgage industry groups are lining up in support of a bill that bundles a wide range of changes to housing finance, federal oversight and development policy. Processing Content The Mortgage Bankers Association on Friday urged lawmakers to pass the

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FHFA goes ahead with repeal of Biden fair lending rule

FHFA goes ahead with repeal of Biden fair lending rule

Affordable housing, Fair Housing Act, FHFA, Regulation and compliance /

The Federal Housing Finance Agency is not making changes to its proposed repeal of the Biden Administration’s Fair Lending, Fair Housing and Equitable Housing Finance Plans regulation it first published for comment in July. Processing Content The rule is also identified as part 1293 and the current version was put into place in April 2024.

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Utah lawmakers target starter homes with lot size reform

Affordability, Affordable housing, Policy, Reform, The Builder's Daily /

Utah lawmakers opened their 2026 legislative agenda with a proposal to revive a once-bedrock fixture of the American Dream of homeownership: starter homes. By streamlining permit approvals and rezoning for smaller property lots, Beehive State legislators will try to pry open a path to first-time homeownership. The bill would reduce minimum lot sizes to encourage

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A blueprint for making housing more affordable 

Affordability, Affordable housing, Contributors, Housing Market, HWmember, Mortgage, Opinion /

As we kick off the New Year, affordability remains one of the biggest challenges facing the mortgage industry and the broader housing market. It continues to shape conversations among lenders, policymakers, and consumers alike. Affordability is not a rate problem Ask most people what’s wrong with housing affordability, and the answer comes quickly: rates are

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Record senior equity shifts to heirs, not the open market

Affordable housing, Estate taxes, Housing markets, Property taxes /

The ever-growing amount of equity seniors hold in their current homes is likely contributing to another phenomenon, as more owners are passing their property onto their heirs, who are keeping it as a place to live. Processing Content Americans 62 and older as a group now hold $14.66 trillion of total equity as of the

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Providence mulls 4% rent cap as national rent control debate boils

Affordability, Affordable housing, Policy, Renters, The Builder's Daily /

The rent stabilization bug has hit Providence, RI. Municipal officials there are jumping on the bandwagon with other cities and states whose local officials have adopted or are weighing the policy as a housing affordability strategy.​ Providence City Council President Rachel Miller, alongside council allies, introduced an ordinance this week that would cap most annual

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