mr ROBERT ZIMMER

Ensuring adequate staffing level at USDA's Rural Development where the Section 538 program, should it be slowed down by staffing issues, would cause net losses to the government (by virtue of the fact that this is a "negative subsidy" program.) Need for streamlined processing of Sec. 538 applications, given reduced staffing. Need for DOGE to not compromise good projects moving forward.

Davis-Bacon concerns for MF housing production, whereby multiple wage rates for the same property increase costs and complexity. Environmental policies (NEPA) that slow MF production.

HR 1815, VASP and partial indemnification policy issues; VA guaranty fees not being used for non-housing purposes. Need for mortgage credit score modernization.

CFPB regulation of small lenders; need for GSEs to buy more MBS to help reduce spread btw mortgage money and 10-yr Treasury bonds. HR 1815, VA partial indem bill. Concerns on using VA mortgage guarantee fees to pay for non-housing veterans benefits. Also the continued need for mortgage credit score reform, especially the excessive FICO price hikes each Fall. Need to maintain credit try-merge process.

HR 1815, VASP and partial indemnification policy issues; VA guaranty fees not being used for non-housing purposes. Need for mortgage credit score modernization. Use of mortgage g fees to fund non-housing programs.

Ensuring that govt staffing policy was conducted in a manner not slowing down the production of much-needed affordable housing for American families. Davis-Bacon concerns for MF housing production. Environmental policies (NEPA) that slow MF production.

CFPB regulation of small lenders; future of GSEs and need to end conservatorships; need for GSEs to buy more MBS to help reduce spread btw mortgage money and 10-yr Treasury bonds. HR 1815, VA partial indem bill. Also the continued need for mortgage credit score reform, especially the excessive FICO price hikes each Fall.

Ensuring adequate staffing level at USDA's Rural Development where the Section 538 program, should it be slowed down by staffing issues, would cause net losses to the government (by virtue of the fact that this is a "negative subsidy" program.) Need for streamlined processing of Sec. 538 applications, given reduced staffing. Need for DOGE to not compromise good projects moving forward.

Ensuring adequate staffing level at USDA's Rural Development where the Section 538 program, should it be slowed down by staffing issues, would cause net losses to the government (by virtue of the fact that this is a "negative subsidy" program.) Need for streamlined processing of Sec. 538 applications, given reduced staffing.

Ensuring that govt staffing policy was conducted in a manner not slowing down the production of much-needed affordable housing for American families. Davis-Bacon concerns for MF housing production. Environmental policies that slow MF production.

HR 1815, VASP and partial indemnification policy issues; VA guaranty fees not being used for non-housing purposes. Need for mortgage credit score modernization. Use of mortgage g fees to fund non-housing programs.

CFPB regulation of small lenders; future of GSEs and need to end conservatorships; need for GSEs to buy more MBS to help reduce spread btw mortgage money and 10-yr Treasury bonds. HR 1815, VA partial indem bill. Also the continued need for mortgage credit score reform.

Ensuring adequate staffing level at USDA's Rural Development where the Section 538 program, should it be slowed down by staffing issues, would cause net losses to the government (by virtue of the fact that this is a "negative subsidy" program.) Need for delegated authority for processing of Sec. 538 applications, given reduced staffing.

Ensuring that govt staffing policy was conducted in a manner not slowing down the production of much-needed affordable housing for American families. Davis-Bacon concerns for MF housing production. Environmental policies that slow MF production.

HR 1815, VASP and partial indemnification policy issues; VA guaranty fees not being used for non-housing purposes. Need for mortgage credit score modernization.

CFPB regulation of small lenders; QM mortgage parameters and CFPB publishing of key metrics; future of GSEs and need to end conservatorships; need for GSEs to help reduce spread btw mortgage money and 10-yr Treasury bonds. HR 1815, VA partial indem bill, also S 3502, banning mortgage Trigger Leads. Also the continued need for mortgage credit score reform.

Ensuring adequate staffing level at USDA's Rural Development where the Section 538 program, should it be slowed down by staffing issues, would cause net losses to the government (by virtue of the fact that this is a "negative subsidy" program.

Ensuring that govt staffing policy was conducted in a manner not slowing down the production of much-needed affordable housing for American families.

CFPB regulation of small lenders; QM mortgage parameters and CFPB publishing of key metrics; future of GSEs and need to end conservatorships; need for GSEs to help reduce spread btw mortgage money and 10-yr Treasury bonds.

Staffing levels at HUD, Ginnie Mae needed to maintain MF housing production.

VASP and partial indemnification policy issues; VA guaranty fees not being used for non-housing purposes.

Need for better regulation of credit-score industry monopoly pricing; reduced mortgage guarantee fees (to better match actuarial costs) for both FHA and VA mortgages. Trigger leads legislation (S. 3502). Reduced regulation for small IMBs, including a duplicative new registry rule put forth by the CFPB.

Ensuring VA mortgage fees better match actuarial costs; appraisal matters; loss mitigation waterfalls. High mortgage fees that increase price of homeownership. Trigger Leads, including S. 3502.

Ensuring that the policymaking process the Dept of Ag's Rural Housing Services has appropriate input from its financial partners in the Sec 538 public/private program. Examining and advocating for needed funding levels to serve families of modest means; work with Dept of Ag RD to ensure sufficient capacity to absorb increased Sec 538 funding levels. Third-party review process reform to speed the approval of this important housing product.

Ensuring that the policymaking process the Dept of Ag's Rural Housing Services has appropriate input from its financial partners in the Sec 538 public/private program. Examining and advocating for needed funding levels to serve families of modest means; work with Dept of Ag RD to ensure sufficient capacity to absorb increased Sec 538 funding levels. Third-party review process reform to speed the approval of this important housing product.

Ensuring VA mortgage fees better match actuarial costs; appraisal matters; loss mitigation waterfalls. The use of real estate brokers for VA mortgages post Sitzer judicial decision. High mortgage fees that increase price of homeownership. Trigger Leads, including S. 3502.

Need for better regulation of credit-score industry monopoly pricing; reduced mortgage guarantee fees (to better match actuarial costs) for both FHA and VA mortgages. Trigger leads legislation (S. 3502). Repurchase policies of Fannie Mae and Freddie Mac.

Ensuring that the policymaking process the Dept of Ag's Rural Housing Services has appropriate input from its financial partners in the Sec 538 public/private program. Examining and advocating for needed funding levels to serve families of modest means; work with Dept of Ag RD to ensure sufficient capacity to absorb increased Sec 538 funding levels. Third-party review process reform to speed the approval of this important housing product.

Ensuring VA mortgage fees better match actuarial costs; appraisal matters; loss mitigation waterfalls. The use of real estate brokers for VA mortgages post Sitzer judicial decision. High mortgage fees that increase price of homeownership.

Updated, reformed PTAP at Ginnie Mae for nonbank lenders; reduced mortgage guarantee fees (to better match actuarial costs) for both FHA and VA mortgages. Challenge of high credit score fees in the industry; trigger leads legislation (S. 3502). Repurchase policies of Fannie Mae and Freddie Mac.

Bills concerning whether private companies can charge veterans to file initial disability claims; bills to ensure these companies do not take advantage of veterans seeking disability payments. PLUS Act, HR 1822. Guard VA Benefits Act, S.740, HR 1139.

Ensuring that the policymaking process the Dept of Ag's Rural Housing Services has appropriate input from its financial partners in the Sec 538 public/private program. Examining and advocating for needed funding levels to serve families of modest means; work with Dept of Ag RD to ensure sufficient capacity to absorb increased Sec 538 funding levels. Third-party review process reform to speed the approval of this important housing product.

Ensuring VA mortgage fees better match actuarial costs; appraisal matters; credit scoring policy. The use of real estate brokers for VA mortgages post Sitzer judicial decision.

Updated, reformed PTAP at Ginnie Mae for nonbank lenders; reduced mortgage guarantee fees (to better match actuarial costs) for both FHA and VA mortgages. Challenge of high credit score fees in the industry; trigger leads legislation (S. 3502). Repurchase policies of Fannie Mae and Freddie Mac.

Updated, reformed PTAP at Ginnie Mae for nonbank lenders; Reduced mortgage guarantee fees (to better match actuarial costs) for both FHA and VA mortgages. Mortgage capital requirements for certain DTI categories. Repurchase policies of Fannie Mae and Freddie Mac.

Ensuring VA mortgage fees better match actuarial costs; appraisal matters; credit scoring policy.

Ensuring that the policymaking process the Dept of Ag's Rural Housing Services has appropriate input from its financial partners in the Sec 538 public/private program. Examining and advocating for needed funding levels to serve families of modest means; work with Dept of Ag RD to ensure sufficient capacity to absorb increased Sec 538 funding levels.

Bills concerning whether private companies can charge veterans to file initial disability claims; bills to ensure these companies do not take advantage of veterans seeking disability payments. PLUS Act, HR 1822. Guard VA Benefits Act, S.740, HR 1139.

Updated, reformed PTAP at Ginnie Mae for nonbank lenders; Reduced mortgage guarantee fees (to better match actuarial costs) for both FHA and VA mortgages. Mortgage capital requirements for certain DTI categories. Repurchase policies of Fannie Mae and Freddie Mac.

Bills concerning whether private companies can charge veterans to file initial disability claims; bills to ensure these companies do not take advantage of veterans seeking disability payments. PLUS Act, HR 1822. Guard VA Benefits Act, S.740, HR 1139.

Ensuring VA mortgage fees better match actuarial costs; appraisal matters; credit scoring policy.

Ensuring that the policymaking process the Dept of Ag's Rural Housing Services has appropriate input from its financial partners in the Sec 538 public/private program. Examining and advocating for needed funding levels to serve families of modest means; work with Dept of Ag RD to ensure sufficient capacity to absorb increased Sec 538 funding levels.

VA disability claims legislation and regulation; protecting veterans from over-paying for filing claims.

Ensuring that the policymaking process the Dept of Ag's Rural Housing Services has appropriate input from its financial partners in the Sec 538 public/private program. Examining and advocating for needed funding levels to serve families of modest means; work with Dept of Ag RD to ensure sufficient capacity to absorb increased Sec 538 funding levels.

Ensuring VA mortgage fees better match actuarial costs; educating Dept of Treasury personnel regarding challenges regarding investor appetites in the mortgage secondary market.

Updated, reformed PTAP at Ginnie Mae for nonbank lenders; Reduced mortgage guarantee fees (to better match actuarial costs) for both FHA and VA mortgages. Mortgage capital requirements for certain DTI categories.

Ensuring that the policymaking process the Dept of Ag's Rural Housing Services has appropriate input from its financial partners in the Sec 538 public/private program. Examining and advocating for needed funding levels to serve families of modest means.

Ensuring VA mortgage fees better match actuarial costs; educating Dept of Treasury personnel regarding challenges regarding investor appetites in the mortgage secondary market.

Updated, reformed PTAP at Ginnie Mae for nonbank lenders; Reduced mortgage guarantee fees (to better match actuarial costs) for both FHA and VA mortgages.

Rural multifamily housing programs, esp Section 538, to ensure continued viability in the marketplace. Funding levels for Sec 538 to better match marketplace demand.

HUD environmental approval process for MF refi loans.

The challenges of using VA mortgage guarantee fees for non-housing purposes (non-bill specific). VA mortgage obstacles for veterans.

Marketplace obstacles for veterans seeking to use their earned benefit; keeping costs low and related to actual risk.

Mortgage guarantee fees in general, and especially for FHA fees; Ginnie Mae policy including risk-based capital proposal. Affordable lending and capital policy therein. Minimum net worth and liquidity requirements for IMBs.

Mortgage guarantee fees in general, and especially for FHA fees; HR 3172, HELPER Act; future of US secondary market, including PSPA changes. Ginnie Mae policy including risk-based capital proposal. Affordable lending and capital policy therein. Minimum net worth and liquidity requirements for IMBs.

HUD environmental approval process for MF refi loans.

Rural multifamily housing programs, esp Section 538, to ensure continued viability in the marketplace. Funding levels for Sec 538 to better match marketplace demand.

Marketplace obstacles for veterans seeking to use their earned benefit; keeping costs low and related to actual risk.

The challenges of using VA mortgage guarantee fees for non-housing purposes (non-bill specific). VA mortgage obstacles for veterans. Appraisal policy in a fast-moving mortgage market.

HUD environmental approval process for MF refi loans.

The challenges of using VA mortgage guarantee fees for non-housing purposes (non-bill specific). VA mortgage obstacles for veterans. Appraisal policy in a fast-moving mortgage market.

Marketplace obstacles for veterans seeking to use their earned benefit; keeping costs low and related to actual risk.

Rural multifamily housing programs, esp Section 538, to ensure continued viability in the marketplace. Dept of Ag RD policy on Ginnie Mae escrow accounts (due to change in RD requirements.) Funding levels for Sec 538 to better match marketplace demand.

Mortgage guarantee fees in general, and especially for FHA fees; HR 3172, HELPER Act; future of US secondary market, including PSPA changes. Affordable lending and capital policy therein. Minimum net worth and liquidity requirements for IMBs.

Rural multifamily housing programs, esp Section 538, to ensure continued viability in the marketplace. Dept of Ag RD policy on Ginnie Mae escrow accounts (due to change in RD requirements.) Funding levels for Sec 538 to better match marketplace demand.

Marketplace obstacles for veterans seeking to use their earned benefit; keeping costs low and related to actual risk.

The challenges of using VA mortgage guarantee fees for non-housing purposes (non-bill specific). VA mortgage obstacles for veterans. Appraisal policy in a fast-moving mortgage market.

HUD environmental approval process for MF refi loans. Small lender access to GSE MF programs.

Mortgage guarantee fees in general, and especially for FHA fees; HR 3172, HELPER Act; future of US secondary market, including PSPA changes. Affordable lending and capital policy therein.

HUD environmental approval process for MF refi loans. Small lender access to GSE MF programs.

Marketplace obstacles for veterans seeking to use their earned benefit; keeping costs low and related to actual risk.

The challenges of using VA mortgage guarantee fees for non-housing purposing (non-bill specific). VA mortgage obstacles for veterans. Appraisal policy in a fast-moving mortgage market.

Mortgage guarantee fees in general; HR 3172, HELPER Act; future of US secondary market, including PSPA changes. Affordable lending and capital policy therein. FHA guarantee fee policy given high reserves.

Rural multifamily housing programs, esp Section 538, to ensure continued viability in the marketplace. Dept of Ag RD policy on Ginnie Mae escrow accounts (due to change in RD requirements.) Funding levels for Sec 538 to better match marketplace demand.

Rural multifamily housing programs, esp Section 538, to ensure continued viability in the marketplace. Dept of Ag RD policy on Ginnie Mae escrow accounts (due to change in RD requirements.)

HUD environmental approval process for MF refi loans.

The challenges of using VA mortgage guarantee fees for non-housing purposing (non-bill specific). VA mortgage obstacles for veterans. Appraisal policy in a fast-moving mortgage market.

Marketplace obstacles for veterans seeking to use their earned benefit; keeping costs low and related to risk.

Mortgage guarantee fees in general; HR 3172, HELPER Act; future of US secondary market, including PSPA changes. Affordable lending and capital policy therein.

Rural multifamily housing programs, esp Section 538, to ensure continued viability in the marketplace..

The challenges of using VA mortgage guarantee fees for non-housing purposing (non-bill specific). VA mortgage obstacles for veterans.

Marketplace obstacles for veterans seeking to use their earned benefit; keeping costs low and related to risk.

Future of US secondary market, including PSPA changes. Affordable lending and capital policy therein.

Legislative and Agency issues related to improving and expanding affordable MF housing in rural America.

The challenges of using VA mortgage guarantee fees for non-housing purposing (non-bill specific).

Split wage rates on same property that thwart affordable production. Choice Limiting policy concerning MF development issues. Small lender access to GSEs generally.

VA mortgage guarantee fees used as PAYFORs in HR 3504, other pending legislation. Nonbank counterparty risk policy in general. Ginnie Mae policies related to COVID.

QM Patch renewal; VA mortgage fee hikes proposed legislation. Risk of IMB sector relative to other finance sectors, and risk control measures of industry. LO Comp reform for nonbank lenders.

Split wage rates on same property that thwart affordable production. Choice Limiting policy concerning MF development issues. GSE Multifamily approval processes and policy.

VA mortgage guarantee fees used as PAYFORs in HR 3504, other pending legislation. Nonbank counterparty risk policy in general.

QM Patch renewal; CARES Act mortgage forbearance policy; VA mortgage fee hikes proposed legislation. Risk of IMB sector relative to other finance sectors, and risk control measures of industry. LO Comp reform for nonbank lenders. GSE pricing parameters

Split wage rates on same property that thwart affordable production. Choice Limiting policy concerning MF development issues.

VA mortgage guarantee fees used as PAYFORs in HR 3504, other pending legislation. Nonbank counterparty risk policy in general.

QM Patch renewal; CARES Act mortgage forbearance policy; VA mortgage fee hikes proposed legislation. Risk of IMB sector relative to other finance sectors, and risk control measures of industry. LO Comp reform for nonbank lenders.

Split wage rates on same property that thwart affordable production. Choice Limiting policy concerning MF development issues. Need for more affordable MF housing generally--over-regulation.

VA mortgage guarantee fees used as PAYFORs in HR 3504, other pending legislation. Nonbank counterparty risk policy in general.

QM Patch renewal; CARES Act mortgage forbearance policy; VA mortgage fee hikes in HR 3504. Risk of IMB sector relative to other finance sectors, and risk control measures of industry. LO Comp reform for nonbank lenders.

Split wage rates on same property that thwart affordable production. Choice Limiting policy concerning MF development issues. Need for more affordable MF housing generally--over-regulation.

VA mortgage guarantee fees used as PAYFORs in HR 3504, other legislation. Nonbank counterparty risk policy in general.

QM Patch renewal; CARES Act mortgage forbearance policy; VA mortgage fee hikes in HR 3504. Risk of IMB sector relative to other finance sectors, and risk control measures of industry. LO Comp reform for nonbank lenders.

Split wage rates on same property that thwart affordable production. Choice Limiting policy concerning MF development issues. Need for more affordable MF housing generally--over-regulation.

VA mortgage guarantee fees used as PAYFORs in HR 3504, other legislation. Nonbank counterparty risk policy in general.

QM Patch renewal; VA mortgage fee hikes in HR 3504; GSE futures; Regulatory Relief for Community Lenders as per Dodd-Frank. Loan officer comp reform for nonbank lenders.