Mike Johanns: “It is essential that these institutions can offer their customers fixed-rate mortgages at affordable prices.”

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.

Could you do that and make it crystal clear to the public that you confirm that the role of conservator... is to be the bridge builder?

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