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Nonprofits — the Cuyahoga Land Bank, NeighborWorks America, Rebuilding Together, the National Association of Hispanic Real Estate Professionals, PCV|VRM Seeds of Hope and many more local organizations — are investing significant resources to improve America’s most vulnerable housing markets.

It is time to set a clear direction for the future state of mortgage finance. Despite low rates and stabilizing home prices, it is still too hard to get a mortgage to purchase a home.