Tim Scott actually said...

"the evidence for first-time homeowners over the last 3 years is that the first-time homeowners have been in decline"

"the mortgage market was good news for all around, that more opportunity for more consumers and a wider path to the American dream"

"Do you have any recommendations for ways to reduce the hurdles or the bureaucracy that is in your agency?"

"What we heard from that hearing was many of our citizens were very thankful for the responsiveness of both agencies."