Homeownership

“Young Americans shouldn’t be priced out of homeownership. Michael Alfonso will rein in spending, cut red tape, and make it possible for young families to own homes again and build secure, hopeful futures.”

“Incentivizing New Development: If we want to lower housing costs, we need to build more homes. The federal government can and should work to remove barriers to building, incentivize construction, and bring down the cost of buying and owning a home.”

“I’m fighting to bring down housing costs so Maryland families can afford to build a future in the communities they love. Too many working families are being priced out by rising rents, limited supply, and corporate investors buying up homes. It’s time for a federal housing strategy that makes homeownership possible for the next generation.”

“Create a path to homeownership for working Tennesseans”

“Families across TN-04, especially in rural communities, are being priced out of homeownership while construction costs outpace what working people can afford. I'll support a package of targeted, fiscally responsible solutions built to close that gap.”

“I support the Neighborhood Homes Investment Act, a targeted tax credit that closes the gap between construction costs and what working families can actually afford.”

“Make Homeownership Accessible for All”

“Creating a public service housing loan program for teachers, nurses, and first responders to expand access to affordable homeownership in the communities they serve. This would allow these community heroes to receive competitive mortgage interest rates with no down payment and no private mortgage insurance payments (PMI).”

“We need to do everything we can to increase housing supply to reduce housing prices – funding research into cheaper construction materials, massive public-private partnerships to increase supply, expanded first-time homebuyer programs like the VA loan program that helped me to other public servants that serve their communities (like teachers, nurses, and first responders), and stopping Wall Street from buying up homes from all the rest of us. Programs that help working families achieve homeownership work; we just need to expand them so everyone has a fair shot, not just veterans like me.”

“Make ownership and affordability real – Fix HUD’s Area Median Income calculations to use local, not regional, income data; expand first-generation down-payment assistance and FHA/USDA loan access in majority-Black and majority-Latino neighborhoods; tie federal investment to tenant protections and right-to-counsel so revitalization doesn’t price out longtime residents.”

“We must take action so that good housing is possible for more Minnesotans, and so our kids can afford to rent or own a home wherever they want.”

“Housing costs are putting a strain on homeowners and renters alike. We need to ensure people can afford to buy their first home and make sure renters can afford their housing costs.”

“This plan is designed to stabilize that system for everyone by preserving existing homes, expanding mixed-income housing, limiting predatory investment, and creating durable paths to homeownership.”

“Stable housing and homeownership should not depend on perfect credit, generational wealth, or rigid systems that no longer reflect economic reality.”

“We need more housing for owners and renters. I’ll support programs for first time home buyers and public service employees like teachers, firefighters, and first responders.”

“Create new pathways for first-time home buyers. Support pathways to homeownership for first-time buyers through down payment assistance, fair lending enforcement, and expanded access to credit.”

“We need to build more starter homes, crack down on corporate landlords and rent gouging, and expand programs that help first-time homebuyers get their start. And yes, sometimes cut rules and red tape that make it harder and more expensive to get homes built.”

“Help families buy their first home by deferring property tax payments for first-time home buyers for up to five years.”

“We need to do everything we can to increase housing supply to reduce housing prices – funding research into cheaper construction materials, massive public-private partnerships to increase supply, expanded first-time homebuyer programs like the VA loan program that helped me to other public servants that serve their communities (like teachers, nurses, and first responders), and stopping Wall Street from buying up homes from all the rest of us. Programs that help working families achieve homeownership work; we just need to expand them so everyone has a fair shot, not just veterans like me.”

“Housing costs are putting a strain on homeowners and renters alike. We need to ensure people can afford to buy their first home and make sure renters can afford their housing costs.”

“Create tax credits for first time home buyers, firefighters, police officers, and teachers. Last year, the share of first-time home buyers dropped to just 21%, an all-time low, while the average age of first-time buyers rose all the way to 40 years old, also a record. Republicans and Democrats alike have supported the use of tax incentives to help first time home buyers. By creating new tax credits for young families looking to buy a home for the first time – as well as public servants like firefighters, police officers, and teachers – we can open up the dream of home ownership to more Kansas who have been priced out of the market.”

“Alicia supports expanding affordable housing, helping first-time homebuyers, and making sure federal housing programs actually work for local families.”

“Utah families shouldn’t be priced out of their own communities. I’ll work to bring down the cost of housing, expand opportunities for first time homebuyers, increase housing supply, cut red tape that drives up costs, and support policies that help working families afford a safe place to live.”

“As Senate Leader, he passed the largest affordability package in decades, providing $60 billion in electric bill rebates for consumers, expanding the renters tax credit, deploying high-speed broadband to thousands of rural homes and businesses, expanding the first-time home buyers program, and making it easier to build more housing, which will expand opportunities for working families.”

“In the California Senate, I've taken these issues head-on — saving Californians $60 billion in electric bills, securing funds for first-time homebuyers and tax credits for renters, and expanding subsidized chilcare slots in every corner of the state.”

“I’ll fight for major federal investments in affordable housing, first-time homebuyer support, renter tax credits and protections, and housing production that meets the needs of working families, seniors, and young people.”

“We need more housing for owners and renters. I’ll support programs for first time home buyers and public service employees like teachers, firefighters, and first responders.”

“Incentivizing New Development: If we want to lower housing costs, we need to build more homes. The federal government can and should work to remove barriers to building, incentivize construction, and bring down the cost of buying and owning a home.”

“We need to build more starter homes, crack down on corporate landlords and rent gouging, and expand programs that help first-time homebuyers get their start. And yes, sometimes cut rules and red tape that make it harder and more expensive to get homes built.”

“We need to do everything we can to increase housing supply to reduce housing prices – funding research into cheaper construction materials, massive public-private partnerships to increase supply, expanded first-time homebuyer programs like the VA loan program that helped me to other public servants that serve their communities (like teachers, nurses, and first responders), and stopping Wall Street from buying up homes from all the rest of us. Programs that help working families achieve homeownership work; we just need to expand them so everyone has a fair shot, not just veterans like me.”

“We can and must do better. Congress should make it easier to buy a home and easier to build one.”

“Housing: We must cut red tape and roll back tariffs on building materials so we can build millions of new homes. This is a simple supply and demand issue in many cases and if we can build a variety of entry level housing, provide first time home buyers with down payment assistance, we can give the American dream of owning your own home to the next generation.”

“Home ownership has become out of reach for so many Americans, especially in the Sixth District. Housing will become more affordable if we prioritize building more homes that people can actually afford.”

“Utah families shouldn’t be priced out of their own communities. I’ll work to bring down the cost of housing, expand opportunities for first time homebuyers, increase housing supply, cut red tape that drives up costs, and support policies that help working families afford a safe place to live.”

“Bringing down the cost of housing: Too many in my generation are being priced out of homeownership, while our parents had already achieved the American dream by our age. We need major federal investments to build more affordable housing, creative incentives to repair housing in disrepair, and crack down on corporate investors driving up prices.”

“The package is the most significant housing affordability legislation in decades and includes several Pappas-led provisions that would cut red-tape making it easier to build new homes, boost America’s housing supply, and help more veterans purchase homes.”

“Chris is working to make homeownership a reality for more Granite Staters by cutting red tape for communities to build more homes, providing tax cuts to help first-time home buyers, and supporting the financing and development of affordable housing.”

“Chris is fighting to tackle the housing affordability crisis by taking on Wall Street firms that are driving up costs, cutting red tape to build more housing, supporting first-time homebuyers, and working to make homeownership attainable for hardworking families again.”

“Build more high-quality, affordable housing that is attainable for first-time homebuyers and middle-class families.”

“Expanded housing families can afford by investing up to $50 million in starter homes for first-time buyers and co-sponsoring a law to build affordable housing near transit.”

“Supporting Renters and First-Time Buyers: Expand rental assistance and provide down-payment support for families shut out of homeownership.”

“Create new pathways for first-time home buyers. Support pathways to homeownership for first-time buyers through down payment assistance, fair lending enforcement, and expanded access to credit.”

“Affordable Housing & Homeownership: Expanding Low-Income Housing Tax Credit allocations, fixing HUD’s Area Median Income calculations, and expanding down-payment assistance and FHA/USDA loan access in majority-Black and majority-Latino neighborhoods.”

“Make ownership and affordability real – Fix HUD’s Area Median Income calculations to use local, not regional, income data; expand first-generation down-payment assistance and FHA/USDA loan access in majority-Black and majority-Latino neighborhoods; tie federal investment to tenant protections and right-to-counsel so revitalization doesn’t price out longtime residents.”

“As Lt. Governor, Peggy has been a champion for housing investment and affordability. She fought for policies to make it easier for renters and those trying to buy a house to actualize that dream. This work culminated in 2023 with a historic state investment to support down payment assistance for first-time homebuyers, housing construction support, and rental assistance for Minnesotans in every region of the state.”

“Expand federal down payment and gap assistance for first-time homebuyers, prioritizing historically underserved and high-cost communities”

“Housing: We must cut red tape and roll back tariffs on building materials so we can build millions of new homes. This is a simple supply and demand issue in many cases and if we can build a variety of entry level housing, provide first time home buyers with down payment assistance, we can give the American dream of owning your own home to the next generation.”

“Support tax credits to offset first-time homebuyers’ down payments.”

“Homeownership shouldn’t be a far off dream but for many first-time homebuyers the upfront costs are insurmountable. That’s why Chris supports the First Time Homebuyer Tax Credit Act, which would give first time homebuyers a tax cut to help them afford a down payment.”

“She has already launched first-of-its-kind affordable housing downpayment grants for local teachers and fast-tracked approval for new homes that are affordable for working families.”

“We need to do everything we can to increase housing supply to reduce housing prices – funding research into cheaper construction materials, massive public-private partnerships to increase supply, expanded first-time homebuyer programs like the VA loan program that helped me to other public servants that serve their communities (like teachers, nurses, and first responders), and stopping Wall Street from buying up homes from all the rest of us. Programs that help working families achieve homeownership work; we just need to expand them so everyone has a fair shot, not just veterans like me.”

“This plan is designed to stabilize that system for everyone by preserving existing homes, expanding mixed-income housing, limiting predatory investment, and creating durable paths to homeownership.”

“Sam will make federal housing investments that match the crisis, reform outdated zoning, ban hedge funds from buying up our homes, and restore the first-time homebuyer credit.”

“Bringing down the cost of housing: Too many in my generation are being priced out of homeownership, while our parents had already achieved the American dream by our age. We need major federal investments to build more affordable housing, creative incentives to repair housing in disrepair, and crack down on corporate investors driving up prices.”

“Chris is fighting to tackle the housing affordability crisis by taking on Wall Street firms that are driving up costs, cutting red tape to build more housing, supporting first-time homebuyers, and working to make homeownership attainable for hardworking families again.”

“It’s time to put the housing market back in the hands of the American people. Otherwise, millions of Americans today in their teens and twenties won’t be able to afford a home in their 40s or even their 50s.”

“In the Iowa House, Josh fought to make the dream of owning a home more in reach, sponsoring legislation to cut taxes for first-time homebuyers and to limit the ability of private equity to buy up Iowa homes.”

“Stop corporations buying up our homes We used to talk about the Central Valley as one of the only places in our state where an ordinary family could still afford to buy a home and have a good quality of life. Now that dream is slipping further away as corporate landlords and Wall Street are robbing the American people of their dream of home ownership by buying up entire neighborhoods and pricing us out of the market. I will fight to end corporate ownership of single-family homes.”

“Stop Wall Street from outbidding families. End the tax breaks that let investors beat first-time buyers to the closing table.”

“Create new pathways for first-time home buyers. Support pathways to homeownership for first-time buyers through down payment assistance, fair lending enforcement, and expanded access to credit.”

“I support the Rural Housing Service Reform Act, which modernizes USDA rural housing programs, makes loans more accessible to low-income rural families, and directs funding to local organizations building housing and infrastructure where it's needed most.”

“Creating a public service housing loan program for teachers, nurses, and first responders to expand access to affordable homeownership in the communities they serve. This would allow these community heroes to receive competitive mortgage interest rates with no down payment and no private mortgage insurance payments (PMI).”

“We need to do everything we can to increase housing supply to reduce housing prices – funding research into cheaper construction materials, massive public-private partnerships to increase supply, expanded first-time homebuyer programs like the VA loan program that helped me to other public servants that serve their communities (like teachers, nurses, and first responders), and stopping Wall Street from buying up homes from all the rest of us. Programs that help working families achieve homeownership work; we just need to expand them so everyone has a fair shot, not just veterans like me.”

“Affordable Housing & Homeownership: Expanding Low-Income Housing Tax Credit allocations, fixing HUD’s Area Median Income calculations, and expanding down-payment assistance and FHA/USDA loan access in majority-Black and majority-Latino neighborhoods.”

“Make ownership and affordability real – Fix HUD’s Area Median Income calculations to use local, not regional, income data; expand first-generation down-payment assistance and FHA/USDA loan access in majority-Black and majority-Latino neighborhoods; tie federal investment to tenant protections and right-to-counsel so revitalization doesn’t price out longtime residents.”

“Align federal housing programs with state housing agencies, including IHDA, to modernize credit and underwriting standards that unnecessarily exclude qualified first-time buyers”

“Incentivize banks, CDFIs, and mission-driven lenders to offer lower-interest specialty loans for first-time buyers in targeted underserved communities”

“Chris is fighting to expand access to homeownership for those who’ve served and introduced legislation to better inform veterans of opportunities provided by the VA Home Loan program so that they can access the benefits they’ve earned.”

“Provide tax credits for first-time home buyers.”

“Help families buy their first home by deferring property tax payments for first-time home buyers for up to five years.”

“Sam will make federal housing investments that match the crisis, reform outdated zoning, ban hedge funds from buying up our homes, and restore the first-time homebuyer credit.”

“Bring back the first-time homebuyer tax credit to make it cheaper for young and working people to buy and own a home.”

“Create tax credits for first time home buyers, firefighters, police officers, and teachers. Last year, the share of first-time home buyers dropped to just 21%, an all-time low, while the average age of first-time buyers rose all the way to 40 years old, also a record. Republicans and Democrats alike have supported the use of tax incentives to help first time home buyers. By creating new tax credits for young families looking to buy a home for the first time – as well as public servants like firefighters, police officers, and teachers – we can open up the dream of home ownership to more Kansas who have been priced out of the market.”

“Support tax credits to offset first-time homebuyers’ down payments.”

“Homeownership shouldn’t be a far off dream but for many first-time homebuyers the upfront costs are insurmountable. That’s why Chris supports the First Time Homebuyer Tax Credit Act, which would give first time homebuyers a tax cut to help them afford a down payment.”

“In Congress, Pappas cosponsored the First-Time Homebuyer Tax Credit Act of 2025, the Property Improvement and Manufactured Housing Loan Modernization Act, the Accelerating Home Building Act, and the Affordable Housing Credit Improvement Act — legislation designed to boost housing construction, expand opportunities for first-time buyers, and reduce barriers to affordable homeownership.”

“Chris is working to make homeownership a reality for more Granite Staters by cutting red tape for communities to build more homes, providing tax cuts to help first-time home buyers, and supporting the financing and development of affordable housing.”

“In the Iowa House, Josh fought to make the dream of owning a home more in reach, sponsoring legislation to cut taxes for first-time homebuyers and to limit the ability of private equity to buy up Iowa homes.”

“We need more housing for owners and renters. I’ll support programs for first time home buyers and public service employees like teachers, firefighters, and first responders.”

“Creating a public service housing loan program for teachers, nurses, and first responders to expand access to affordable homeownership in the communities they serve. This would allow these community heroes to receive competitive mortgage interest rates with no down payment and no private mortgage insurance payments (PMI).”

“We need to do everything we can to increase housing supply to reduce housing prices – funding research into cheaper construction materials, massive public-private partnerships to increase supply, expanded first-time homebuyer programs like the VA loan program that helped me to other public servants that serve their communities (like teachers, nurses, and first responders), and stopping Wall Street from buying up homes from all the rest of us. Programs that help working families achieve homeownership work; we just need to expand them so everyone has a fair shot, not just veterans like me.”

“Create tax credits for first time home buyers, firefighters, police officers, and teachers. Last year, the share of first-time home buyers dropped to just 21%, an all-time low, while the average age of first-time buyers rose all the way to 40 years old, also a record. Republicans and Democrats alike have supported the use of tax incentives to help first time home buyers. By creating new tax credits for young families looking to buy a home for the first time – as well as public servants like firefighters, police officers, and teachers – we can open up the dream of home ownership to more Kansas who have been priced out of the market.”

“She has already launched first-of-its-kind affordable housing downpayment grants for local teachers and fast-tracked approval for new homes that are affordable for working families.”

“Affordable Housing & Homeownership: Expanding Low-Income Housing Tax Credit allocations, fixing HUD’s Area Median Income calculations, and expanding down-payment assistance and FHA/USDA loan access in majority-Black and majority-Latino neighborhoods.”

“Make ownership and affordability real – Fix HUD’s Area Median Income calculations to use local, not regional, income data; expand first-generation down-payment assistance and FHA/USDA loan access in majority-Black and majority-Latino neighborhoods; tie federal investment to tenant protections and right-to-counsel so revitalization doesn’t price out longtime residents.”

“Expand federal down payment and gap assistance for first-time homebuyers, prioritizing historically underserved and high-cost communities”

“Incentivize banks, CDFIs, and mission-driven lenders to offer lower-interest specialty loans for first-time buyers in targeted underserved communities”

“Jon understands the challenges that homebuyers face—complex regulations, rising costs, and bureaucratic hurdles that often stand in the way of owning a home. His extensive experience in real estate has shown him firsthand how outdated policies and red tape can frustrate families and delay their path to stability and wealth-building through homeownership.”

“For young Americans trying to buy their first home and families struggling with rising rent, Lamb said immigration policy cannot be separated from the national affordability crisis.”