The rules set by the Federal Housing Finance Agency and government-sponsored enterprises like Fannie Mae and Freddie Mac reach deep into housing markets by shaping who can borrow and how much they pay. While these programs aim to expand access, they often introduce risk, inflate costs, and reduce flexibility in lending. Scaling back federal involvement and allowing private markets to play a larger role can make mortgages more accessible, affordable, and responsive to real demand. Families then gain more freedom to choose where and how they live.

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