Jack Reed actually said...

Would increasing loan limits help low- and moderate-income homeowners pay for very needed repairs and renovations?

So your conclusion would be that it really saves taxpayers' monies and efficient use of taxpayer' dollars.

The U.S. Interagency Council on Homelessness is the only Federal agency that is exclusively devoted to alleviating homelessness.

It also might trigger some of the tax incentives that are built in now for home energy efficiencies, which would be sort of a double benefit...