Mike Johanns: “Thank you, Mr. Chairman, and to all the witnesses, thanks for being here.”

Somehow we have got to figure out a better way, because at the most important time in this person's life, when they are crying out for help, it should be a simple, straight-forward pathway to access that help.

But to anyone who might be listening in who is wondering if is it time to give up, it is not.

I will continue to push this legislation, but many of its provisions are things that HUD has the flexibility to implement on its own.

It is Congress who will create the next housing finance system and that the next housing finance system is not the conservatorship of the FHFA.