through fha we have supported nearly 1.8 million homeowners with the purchase mortgages including 1.5 million first-time homebuyers. last year we awarded the first ever package of resources to specifically reach people experiencing homelessness and unsheltered settings and rural communities. and it taken charge to protect all people facing housing discrimination. who provided committees with half a billion dollars so far in multifamily portfolio. and by doing so we are also making much and repairs to units across the country. we have pulled together practitioners, experts and thought leaders who are innovating and executing and researching new solutions we've improved hiring a focus on executing it procurement goals. we have had for clean audits in a row. i'm grateful for the work of this committee and the members of congress you have worked to make resources available to us we can carry out our very important work. we relook ahead hud's mission is critical is critical for young families to buy the first trumpets critical for people of maine lost their job and lost their home and are

housing providers, federal state, local governments to lower costs, hud and fha need to be vigilant to mature taxpayer money is different families, not enriching shady landlords and wealthy investors. in ohio and around the country, street firms and other on-site investors sweep into communities, they buy up properties, they evict tenants, they drive up local housing prices. we should pass my stop predatory investing act to end their tax breaks for biting up numbers of single family homes. we need to ensure that all our housing agencies are on the same page and working to stop, not in any way supporting this predatory is a small. state and local governments have a lot of influence over the housing in their communities and more and more cities and counties are making changes like updates to zoning, shortening lengthy approval processes to open up housing, to open up opportunities for new housing, expand access to affordable homeownership. hud is a critical partner in supporting that work. earlier this year, the french commissioner , kevin boyce, testified in the senate on behalf of the

calls from senator reed and me and others we have acted to improve access to affordable housing through fha and the federal financing bank. this will help housing providers and states build and preserve more affordable housing for renters across the country. loan limits to manufactured housing. converting old office space into homes. it will open up new housing options, especially in cities like cleveland. you would eliminate up front fees that have charged lower income to first-time home buyers and they cannot afford a big down payment to begin with. you have also refocused the federal home loan banks not just on markets but on helping to support housing with families and communities need. but the fact remains that housing prices are still far too high. they have been for years and years. it will take all of us working together, housing providers, federal, state, and local governments. we need to stay vigilant and in short taxpayer money is actually serving pennies and not enriching city landlords and wealthy investors. in ohio and around the country. wall street firms. and other outside i

home due to new energy regulations they are imposing on low income and first-generation buyers for the fhaknock on the door from a young environmental core person who wants to inspect my house for energy efficiency? i think that's coming down the pike? >> i hope not. i would pushback against that but we are seeing a push from the climate left to put more energy efficient requirements on brand-new homes and it will drive up the cost of housing for people who need help the most. stuart: thanks for being with us today. luxury beach homes by the ocean losing value by the millions. why is that happening? ashley: the price of paradise, they are in danger of falling into the ocean view they enjoy thanks to rising sea levels and ferocious storms from nantucket to long island to southern california. vulnerable oceanfront properties are seeing values plummet. the 2 million-dollar property in nantucket sold for 600,000 after a nor'easter obliterated 70 feet of the beach leaving the house perched on eroding stands. across the eastern gulf coasts. and the data also shows 77, they face risk from floods.

housing is up 48.5%, if you look at fha's index.ve got tech leadership, but if you look at minus the magnificent seven, in q1, earnings were down 2% if you take the magnificent seven out. so there's going to be a bit of an economic slowdown as we get into september and october, because you've got all kinds of the treasuries general account being spent down probably to zero as you get closer to the election. you've got the fed reverse repo winding down. so all of the stimulative measures that have been going into our market for four years have run out. so i believe you're going to see a slowdown going into the election. >> well, maybe to try to hope it waits till after the election. but either way, there's been talk about excess savings running out and things like that. people of all income strata, the lower income in particular were making decent wage gabins, with you is the cumulative toll what is going on? >> yes. you say the bottom is making significant wage gains, but real wages across the board are massively negative because of

loans, i think it's fha, but the way that some of these government loan programs work make it very, very difficult to finance these these things and therefore, they appreciate more. they depreciate it faster than normal housing and they harder for people to buy. and that's a big and shouldn't happen. i want to thank everyone for coming. i want to thank the online audience and thank you for sending questions. and megan, thanks for doing a great job finding things to criticize. love the the bryant i don't know what i thought i was being critical and ryan thanks for all. hug it out but bryant thanks for creating a great book. we're really proud to have published it and now please join us in the winter garden for a reception. i'm sorry. our online audience can't but go to your fridge, a beer or the liquor liquor cabinet, mix a drink and. dr. carol swain. her list of accomplishments lengthy. i won't spoil story she's going to share with you tonight, but i will highlight a few things. dr. carol swain is a roanoke college alumna, class of 1983.

loans, i think it's fha, but the way that some of these government loan programs work make it very, very difficult to finance these these things and therefore, they appreciate more. they depreciate it faster than normal housing and they harder for people to buy. and that's a big and shouldn't happen. i want to thank everyone for coming. i want to thank the online audience and thank you for sending questions. and megan, thanks for doing a great job finding things to criticize. love the the bryant i don't know what i thought i was being critical and ryan thanks for all. hug it out but bryant thanks for creating a great book. we're really proud to have published it and now please join us in the winter garden for a reception. i'm sorry. our online audience can't but go to your fridge, a beer or the liquor liquor cabinet, mix a drink and.

rates is what's weighing on the consumer today and you just said, rates today are, you know, 6.97, fhat and go back just a few weeks and we're in the mid 70s and go back to the #s and it's a lot of -- 8s and it's confident that rates have settled in and look at volatility with the spread of the 10-year treasury and 30-year rates and they're still at all time highs with the spread of 300 basis points and going back to rates have seen the high, just that will drop 50 to 100 basis points. liz: i would think so. higher prices, which we have seen and measure by kay schiller, home price index. in april, prices jump something like 6.3% and i think that has much more to do with the inventory issue. that's where you guys of taylor morrison come in; correct? it's up 7.2%. sorry about that. >> i think what i saw was around 5% nationally in may for single family. you're right, that's very different in different parts of the country and what's quite interesting is when inventory is so tight, that moves prices up and so getting to kind of a more normalized steady state of inventory and i think it's

middle class they use affirmative action program the nation's history no black sailors on his ship got fhays anywhere got their if they had i wouldn't have been in an white neighborhood but all white school and all wte racially, racially stretch. strategic, racialized to keep us from having proximity with each other. well, i was blessed. i went to the black church and just showed up and they took me in. oh, and answer my obvious white boy questions. and one of those youngo6ckchurcn los angeles. he was the dean fuller seminary and. he he's still an elder to me and i met people all my life has always by going to war. i was never supposed to be and meeting people i was never supposed to meet or know, talk to or become friends with. that's what changes. so i feel deeply grateful. i'm back to detroit again in two weeks in lansing a and all over the state. but that's what we need. we need to have places, platforms and me. three of them are congregations, schools and sports. and i think that proximity, for example little league baseball coach. so i got these year old kids and we had some conversa

made our family middle class they use b3affirmative action program the nation's history no black got fha g.i., no black guys anywhere got their if they had i wouldn't have been in an white neighborhood but all white school and all white church is racially racially stretch. strategic, racialized to keep us from having proximity with each other. well, i was blessed. i went to the black church and just showed up and they took me in. oh and answer my obvious white boy questions. and one of those young black church that i met is now 95, and i was with them after that in los angeles. he was the dean fuller seminary and. he he's still an. and i met people all my life has always been changed by going to war. i was never supposed to be and meeting people i was never supposed to meet or know, talk to or become friends with. that's what changes. so i feel deeply grateful. i'm back to detroit again in two weeks in lansing and and all over the state. but that's what we need. we need to have places platforms congregations schools and sports. and i think that proximity, for example little league baseba

available, to decrease the costs and look at alternative factors for determining who was eligible for fhathat resulted in the largest number of black homeowners in history. those are the kinds of things we need to do. then recognize the real cost is the regulations. you heard about the $600,000 units in los angeles last week. to build a unit only costs $150,000, but by the time you add regulations, you are way up there. this is what we have to deal with. kailey: to be clear, is that what we should expect donald trump to outline if you were to outline a policy to solve america's housing problem, deregulating, or something more specific? >> that will be a significant part of it, getting rid of a lot of regulations. we had a good plan that was hatched and almost ready to go for los angeles, working with the mayor, garcetti, with the governor and other commissioners, and then covid hit and knocked everything off the table but it is possible to do these things every there are mechanisms that interlock and work together to be able to provide housing that we need for our people. joe: dr. carson,

thing that i'm pretty inspired in part by this work and and so that's what i want to leave time i know fhahad. then i want to really turn it over to the audience and maybe, maybe don't immediately respond to my questions unless it's a good intersection. one, because this is lockjaw. i want to talk about the relationship between the book and this book's through bars program and the labor movement and the working class struggle that is embodied within our prisons and our in our■e jobs. and of course, the prisoner rights movement is also a labor nationwide prison in 2018. so if if someone wtsabout relatd working class life a second i just wan t artists creativity. this book just littered with we were talking earlier it reads a zine and i■ think mack had pointed out in his introduction and i this book initially that it had a kind of punk behind it. so if we could talk a little bit about what artistic creation by the incarcerated means both within the book and to those creating that art. and then i also want to try and touch because the book as a chapter, lgbtq communities within, the prison of

planning staff's proposal that these units be considered part of an affordable housing or an equity or an fhastrategy is completely inadequate. we need 100% affordable housing, and i want to repeat that we need 100% affordable housing in order to meet our rhna goals and affirm our a f obligation. so i appreciate your time and thank you. good afternoon, president diamond commissioners, my name is emily wang. i'm a long time resident of san francisco in district ten. i'm a parent of two kids that attend sfusd, our public school system. i'm a community advocate and a member of the race and equity in all planning coalition. i'd like to bring to light and to lens sort of the density, deregulation, its impacts on our community as well as the process with which this is happening. as we all know, the sort of ever growing push to deregulate market rate housing through giveaways to developer giveaways to meet these extraordinary arena goals, has really distracted planning and planners from prioritized creating whole communities, whole and complete rep. sf is currently involved right now in supporting o

planning staff's proposal that these units be considered part of an affordable housing or an equity or an fha is completely inadequate. we need 100% affordable housing, and i want to repeat that we need 100% affordable housing in order to meet our rhna goals and affirm our a f obligation. so i appreciate your time and thank you. good afternoon, president diamond commissioners, my name is emily wang. i'm a long time resident of san francisco in district ten. i'm a parent of two kids that attend sfusd, our public school system. i'm a community advocate and a member of the race and equity in all planning coalition. i'd like to bring to light and to lens sort of the density, deregulation, its impacts on our community as well as the process with which this is happening. as we all know, the sort of ever growing push to deregulate market rate housing through giveaways to developer giveaways to meet these extraordinary arena goals, has really distracted planning and planners from prioritized creating whole communities, whole and complete rep. sf is currently involved right now in supporting our famil

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