Last saved by: Lynn Marie Greaves

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																<div class="fullWidth" style="max-width: 615px;"><img src="https://www.crm-newsletter.com/client-to-client/CEW/images/260719_CEW_header.png" style="display: block; height: auto; border: 0; width: 100%;" width="615" alt="ROAD to Housing Bill Passed: What's Next?" title="ROAD to Housing Bill Passed: What's Next?" height="auto"></div>
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																		<p style="margin: 0; text-align: center; mso-line-height-alt: 27px; letter-spacing: normal;"><span style="word-break: break-word; font-size: 18px; color: #123150;"><strong><span style="word-break: break-word;">ROAD to Housing Bill Passed: What's Next?</span></strong></span></p>
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																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">The 21st Century ROAD to Housing Act passed into law on July 11th with overwhelming bipartisan support. The final bill includes provisions from more than 60 pieces of legislation previously introduced in Congress, and sets a time frame of approximately six months to implement its new programs, policies, and housing regulations by January 7, 2027.</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;"><br><span style="word-break: break-word; font-size: 13px; color: #123150;"><strong>Top Three Takeaways for Prospective Homebuyers</strong></span><br>This new law is designed to increase housing supply and provide greater opportunities for homeownership to more Americans.</p>
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																			<li><span style="word-break: break-word; color: #123150;"><strong>Less Competition from Wall Street</strong></span><br>The new law puts restrictions on private equity firms and investors from buying up single-family homes. This potentially gives more average American families a better chance to make an offer and buy a home with less competition from corporate entities.<br><br></li>
																			<li><span style="word-break: break-word; color: #123150;"><strong>More Options for Affordable Housing</strong></span><br>The bill modernizes outdated zoning guidelines and building standards to make it easier to build new homes. For example, local governments may receive Federal grants by adopting pre-approved cookie-cutter housing designs to speed up construction.<br><br>It also updates legislation from 1974 by eliminating the requirement of a permanent chassis to transport manufactured homes from the factory. This should cut costs by thousands of dollars for the homebuyer and provide more flexible design options – such as adding a basement, porch, garage, or entry way.<br><br></li>
																			<li><span style="word-break: break-word; color: #123150;"><strong>Expanded Access to Low-Cost Housing</strong></span><br>The Federal Housing Administration will launch the FHA Small-Dollar Mortgage Pilot Program to expand access to mortgages of $100,000 or less, and provide assistance for down payment and closing costs.</li>
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																		<p style="margin: 0; mso-line-height-alt: 19.5px;">We will continue to have our eyes focused on the market as these changes take effect. If you have any questions about mortgage planning, please consider us your go-to resource for all your mortgage needs!</p>
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																		<p style="margin: 0; mso-line-height-alt: 19.5px;">Best regards,</p>
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