Congress has passed the 21st Century ROAD to Housing Act and sent it to President Trump, implementing restrictions on large institutional investors while introducing pilot programs for small-dollar mortgages below $100,000 and reforms to the appraiser workforce. The bipartisan legislation targets a structural housing shortage of 4.03 million homes through supply-side measures and targeted financing expansion. For real estate and fintech developers, the institutional investor restrictions, new mortgage financing pathways, and appraisal process reforms represent new market opportunities in underserved segments.
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