Mortgage Experts Call ROAD to Housing Act a Starting Point for Improved Supply, Affordability

HousingWire, Aug. 4, 2026-Sarah Wolak

The newly enacted 21st Century ROAD to Housing Act is a “consequential” but incremental step toward addressing housing affordability challenges, with potential benefits for small-dollar mortgages, manufactured housing and multifamily financing, according to several industry trade groups.

Bill Killmer, senior vice president of legislative and political affairs at the Mortgage Bankers Association (MBA) — who has spent roughly four decades working in Washington — said the legislation represents Congress “at its best” after the House and Senate combined more than 60 housing provisions into a bipartisan package.

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