America faces an unprecedented housing affordability crisis that threatens the foundation of the American Dream. Rising home prices, escalating interest rates, restrictive lending requirements, and inadequate housing supply have created perfect-storm conditions that lock millions of families out of homeownership.
The National Association of Mortgage Brokers has authored a white paper, “Solving America’s Housing Affordability Crisis – A Comprehensive Framework for Expanding Homeownership Opportunities”, which presents a comprehensive framework for addressing the affordability crisis by integrating recent federal legislative initiatives with NAMB’s 2026 regulatory and legislative priorities.
Together, these solutions offer a pathway to:
• Expand housing supply through regulatory modernization and increased construction incentives
• Reduce artificial barriers to homeownership for creditworthy borrowers
• Lower transaction costs through credit reporting reform and LLPA reduction
• Increase access to affordable financing for first-time and moderate-income buyers
• Strengthen the mortgage broker channel as an essential access point for underserved communities
