NEW TRUMP EXECUTIVE ORDERS
In March, President Trump issued two executive orders aimed at addressing one of the most pressing challenges in the U.S. housing market: affordability. While each order targets a different side of the equation, together they form a coordinated effort to increase housing supply and expand access to mortgage credit.
The first order, “Removing Regulatory Barriers to Affordable Home Construction,” focuses on the supply side. By directing federal agencies to streamline permitting processes, including NEPA and historic reviews, and reassess energy and building mandates, the administration aims to reduce delays and lower construction costs. Additional emphasis on manufactured and modular housing, along with better alignment of federal incentives, signals a push toward faster and more cost-effective homebuilding. HUD’s upcoming best-practice guidance within 60 days will be a key indicator of how quickly these changes can be implemented.
The second order, “Promoting Access to Mortgage Credit,” addresses the demand side by expanding lending capacity and modernizing the mortgage process. Key initiatives include easing regulatory burdens on community banks, increasing the use of alternative and hybrid property valuations, and accelerating adoption of digital tools such as e-signatures, e-notes, and remote notarization. FHFA’s report, expected within 120 days, will outline pathways to improve liquidity and further support smaller lenders.
If successfully executed, these initiatives could lead to meaningful changes by the end of the year—particularly in the digital closing process, collateral review efficiency, and overall appraisal costs. Together, they represent a shift toward a more streamlined, technology-driven, and accessible housing finance system.
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In March, President Trump issued two executive orders aimed at addressing one of the most pressing challenges in the U.S. housing market: affordability. While each order targets a different side of the equation, together they form a coordinated effort to increase housing supply and expand access to mortgage credit.
The first order, “Removing Regulatory Barriers to Affordable Home Construction,” focuses on the supply side. By directing federal agencies to streamline permitting processes, including NEPA and historic reviews, and reassess energy and building mandates, the administration aims to reduce delays and lower construction costs. Additional emphasis on manufactured and modular housing, along with better alignment of federal incentives, signals a push toward faster and more cost-effective homebuilding. HUD’s upcoming best-practice guidance within 60 days will be a key indicator of how quickly these changes can be implemented.
The second order, “Promoting Access to Mortgage Credit,” addresses the demand side by expanding lending capacity and modernizing the mortgage process. Key initiatives include easing regulatory burdens on community banks, increasing the use of alternative and hybrid property valuations, and accelerating adoption of digital tools such as e-signatures, e-notes, and remote notarization. FHFA’s report, expected within 120 days, will outline pathways to improve liquidity and further support smaller lenders.
If successfully executed, these initiatives could lead to meaningful changes by the end of the year—particularly in the digital closing process, collateral review efficiency, and overall appraisal costs. Together, they represent a shift toward a more streamlined, technology-driven, and accessible housing finance system.
Our social networks:
Youtube
Protitleusa.com