Jeff Merkley actually said...

Not only does it represent a direct threat, but it represents what could be the start of a nuclear arms race.

Yes, fair point, Deborah. But, even with low downpayment loans, the downpayment and the closing costs together can still be a substantial hu...

to help empower home ownership among lower-income families.

I am out of time. So many questions, so little time. Thank you all very much.