{"id":2610898,"date":"2026-06-05T05:27:02","date_gmt":"2026-06-05T09:27:02","guid":{"rendered":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/can-cutting-red-tape-make-housing-affordable-again\/"},"modified":"2026-06-05T05:30:30","modified_gmt":"2026-06-05T09:30:30","slug":"can-cutting-red-tape-make-housing-affordable-again","status":"publish","type":"post","link":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/can-cutting-red-tape-make-housing-affordable-again\/","title":{"rendered":"Can cutting red tape make housing affordable again?\u00a0"},"content":{"rendered":"<aside class=\"mashsb-container mashsb-main mashsb-stretched\"><div class=\"mashsb-box\"><div class=\"mashsb-count mash-medium\" style=\"float:left\"><div class=\"counts mashsbcount\">16<\/div><span class=\"mashsb-sharetext\">SHARES<\/span><\/div><div class=\"mashsb-buttons\"><a class=\"mashicon-facebook mash-medium mash-nomargin mashsb-noshadow\" href=\"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.conservativenewsdaily.net%2Fbreaking-news%2Fcan-cutting-red-tape-make-housing-affordable-again%2F\" target=\"_top\" rel=\"nofollow\"><span class=\"icon\"><\/span><span class=\"text\">Facebook<\/span><\/a><a class=\"mashicon-twitter mash-medium mash-nomargin mashsb-noshadow\" href=\"https:\/\/twitter.com\/intent\/tweet?text=&amp;url=https:\/\/www.conservativenewsdaily.net\/breaking-news\/?p=2610898&amp;via=ConservNewsDly\" target=\"_top\" rel=\"nofollow\"><span class=\"icon\"><\/span><span class=\"text\">Twitter<\/span><\/a><a class=\"mashicon-subscribe mash-medium mash-nomargin mashsb-noshadow\" href=\"#\" target=\"_top\" rel=\"nofollow\"><span class=\"icon\"><\/span><span class=\"text\">Subscribe<\/span><\/a><div class=\"onoffswitch2 mash-medium mashsb-noshadow\" style=\"display:none\"><\/div><\/div>\n            <\/div>\n                <div style=\"clear:both\"><\/div><\/aside>\n            <!-- Share buttons by mashshare.net - Version: 4.0.47--><p>President Donald Trump says the U.S. housing affordability crisis can be improved by cutting regulations, speeding up approvals, and making it easier to build more homes. The article notes that the administration points to actions by HUD and the FHA-such as reducing mortgage approval timelines and lowering FHA mortgage insurance premiums-as evidence the approach is working.<\/p>\n<p>Housing affordability remains a <a href=\"https:\/\/amzn.to\/3YuVZYV\" >major voter concern heading<\/a> into the 2026 midterms, and while home prices have cooled, high mortgage rates and years of price growth still keep ownership out of reach for many.<\/p>\n<p>A former FHA and HUD commissioner, Frank Cassidy, argues the administration is treating housing agencies \u201clike a business,\u201d aiming for profitability and faster processing to move more mortgages through the system. He frames affordability as supply-focused: expanding housing requires lowering building costs by reducing bureaucratic barriers.<\/p>\n<p>however, some conservatives argue that simply increasing supply may not be enough. Oren Cass warns that political incentives often protect both low prices and high home values, and supports measures to <a href=\"https:\/\/www.conservativenewsdaily.net\/breaking-news\/trump-administration-aims-to-prevent-private-equity-from-buying-individual-homes-and-driving-up-prices\/\" title=\"... aims to prevent private equity from buying individual ... and driving up prices\">restrict large institutional investors<\/a> from <a href=\"https:\/\/www.conservativenewsdaily.net\/breaking-news\/bidenomics-average-american-cant-afford-homes-in-99-of-country\/\" title=\"Bidenomics: Most Americans Can&#039;t Buy ... in 99% of the Country.\">buying single-family homes<\/a> to prevent bidding-driven price increases. Others, like Howard Husock, contend builders are producing larger, higher-priced homes rather than sufficient starter homes.<\/p>\n<p>The piece emphasizes that affordability is influenced by many factors beyond federal regulations-investor demand, local zoning, home size choices, and the political difficulty of lowering prices without harming existing homeowners. It also recalls that Trump explored declaring a national housing emergency to accelerate construction, but Cassidy says the administration ultimately favored its deregulatory strategy rather.  <\/p>\n<p class=\"readmore\">\n    <button onclick=\"showReadMore()\" id=\"readmorebtn\">Read more&#8230;<\/button>\n<\/p>\n<hr id=\"line\">\n<span id=\"more\"><\/p>\n<article class=\"fn-body\">\n<p class=\"wp-block-paragraph\">President <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.washingtonexaminer.com\/tag\/donald-trump\/\" type=\"post_tag\" id=\"4\">Donald Trump<\/a> has spent much of his second term arguing that the solution to the U.S.\u2019s <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.washingtonexaminer.com\/tag\/housing\/\" type=\"post_tag\" id=\"1273\">housing<\/a> affordability crisis is straightforward: cut government regulations, streamline approvals, and make it easier to build.<\/p>\n<p class=\"wp-block-paragraph\">The administration points to a series of deregulatory actions at the Department of Housing and Urban Development and the Federal Housing Administration as evidence that the strategy is already working. But even some conservatives question whether slashing red tape alone can solve a housing crisis decades in the making.<\/p>\n<section class=\"explore-more-section\" id=\"wex-recommended-widget\">\n<div class=\"magazine-container single\">\n<h1 class=\"magazine-title mt-2\">Recommended Stories<\/h1>\n<p>             <i class=\"fa-solid fa-play icon\"><\/i>         <\/div>\n<div class=\"explore-grid\">\n<div class=\"explore-card\">                         <a href=\"https:\/\/www.washingtonexaminer.com\/policy\/infrastructure\/4595733\/cornyn-trump-highway-renaming-not-a-priority\/?itm_source=parsely-api\">                             <\/p>\n<div class=\"explore-thumb-wrap\">                                                                                                                                  <\/div>\n<h3>Cornyn says renaming highway after Trump no longer a priority after loss to Paxton<\/h3>\n<p>                         <\/a>                     <\/div>\n<div class=\"explore-card\">                         <a href=\"https:\/\/www.washingtonexaminer.com\/news\/white-house\/4594088\/trump-makes-splash-oval-office-chart-reflecting-pool-skyscrapers\/?itm_source=parsely-api\">                             <\/p>\n<div class=\"explore-thumb-wrap\">                                                                                                                                  <\/div>\n<h3>Trump makes a splash with Oval Office chart comparing reflecting pool to skyscrapers<\/h3>\n<p>                         <\/a>                     <\/div>\n<div class=\"explore-card\">                         <a href=\"https:\/\/www.washingtonexaminer.com\/policy\/infrastructure\/4591040\/alexandria-dedicate-memorial-potomac-plane-crash\/?itm_source=parsely-api\">                             <\/p>\n<div class=\"explore-thumb-wrap\">                                                                                                                                  <\/div>\n<h3>Alexandria dedicates memorial for 67 people killed in Potomac plane crash<\/h3>\n<p>                         <\/a>                     <\/div>\n<\/p><\/div>\n<\/section>\n<p class=\"wp-block-paragraph\">Housing <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.washingtonexaminer.com\/news\/white-house\/4594252\/scott-bessent-economic-nationalism-trump-salesman\/\">affordability<\/a> remains one of voters\u2019 top economic concerns heading into the 2026 midterm elections. While home prices have cooled from pandemic-era peaks, elevated mortgage rates and years of price appreciation have kept homeownership out of reach for much of the public.<\/p>\n<div class=\"article-paywall\">\n<p class=\"wp-block-paragraph\">Former Federal Housing Commissioner Frank Cassidy, who recently left his dual roles at the FHA and HUD to return to the commercial mortgage banking industry, argues the administration\u2019s approach is already producing results.<\/p>\n<p class=\"wp-block-paragraph\">\u201cI think<a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.washingtonexaminer.com\/news\/white-house\/4594088\/trump-makes-splash-oval-office-chart-reflecting-pool-skyscrapers\/\"> President Trump<\/a> brings a unique role,\u201d Cassidy said. \u201cHe understands housing, he understands real estate, he\u2019s a builder, he understands development.\u201d <\/p>\n<p class=\"wp-block-paragraph\">The FHA insures private mortgages for first-time homebuyers, lower-income borrowers, and multifamily housing developments. The agency\u2019s portfolio totals roughly $1.6 trillion across more than 8 million mortgages.<\/p>\n<p class=\"wp-block-paragraph\">Cassidy said the president directed housing officials to run their agencies \u201clike a business.\u201d For FHA, that meant being profitable. It also meant reducing the timeline for mortgage insurance approvals in order to move more \u201cdeals\u201d through the federal queue.<\/p>\n<p class=\"wp-block-paragraph\">Over the past year, according to Cassidy, the FHA cut closing times for single-family homes from between six and 12 months to between 90 and 120 days. The agency also reduced the <a href=\"https:\/\/www.conservativenewsdaily.net\/breaking-news\/how-to-get-more-tax-deductions-for-homeowners\/\" title=\"How to Get More Tax Deductions for Homeowners\">mortgage insurance premium<\/a> by 25 basis points, lowering the cost of construction, refinancing, and purchasing all multifamily homes covered by the program.<\/p>\n<p class=\"wp-block-paragraph\">For administration officials, those changes represent a broader philosophy: housing affordability begins with increasing supply.<\/p>\n<p class=\"wp-block-paragraph\">\u201cI think that the way to boost supply is to lower cost,\u201d Cassidy said. \u201cUltimately, we need to bring more supply online to make housing more affordable, and the problem is that it\u2019s been expensive to build new housing.\u201d<\/p>\n<p class=\"wp-block-paragraph\">That means reducing bureaucratic barriers, which Cassidy describes as making new development more expensive and time-consuming. <\/p>\n<p class=\"wp-block-paragraph\">The White House is also backing efforts to craft a bipartisan housing bill in Congress to incentivize state and local governments to revamp zoning and development laws in hopes of spurring a boom in home construction. <\/p>\n<p class=\"wp-block-paragraph\">But some conservatives argue that increasing supply is only part of the problem.<\/p>\n<p class=\"wp-block-paragraph\">\u201cWe have a political class that promises both low housing prices and high home values,\u201d said Oren Cass, co-founder of American Compass. \u201cUnfortunately, those two are the same thing, and so unless you\u2019re willing to talk about reducing home values, you are not going to have lower housing prices.\u201d <\/p>\n<p class=\"wp-block-paragraph\">That\u2019s why Cass is supportive of a provision within the housing bill to prohibit big institutional investors, such as BlackRock, from buying single-family homes. The argument is that Wall Street funds can outbid individuals, thereby inflating the cost of housing stock. <\/p>\n<p class=\"wp-block-paragraph\">Others argue the problem is not simply how much housing gets built, but what type of housing enters the market. Howard Husock, a senior fellow at the American Enterprise Institute, has argued that builders continue to favor larger, higher-priced homes over starter homes.<\/p>\n<p class=\"wp-block-paragraph\">\u201cThe median new house today is more than 2100 square feet,\u201d Husock <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.aei.org\/opportunity-social-mobility\/trump-houses-are-a-good-idea-if\/\">wrote <\/a>in February. \u201cThe typical house lot is more than 9,000 square feet.\u201d<\/p>\n<p class=\"wp-block-paragraph\">The competing arguments highlight the challenge of <a href=\"https:\/\/www.conservativenewsdaily.net\/breaking-news\/sen-warren-urges-dems-to-get-aggressive\/\" title=\"Sen. Warren Urges Dems to Get &quot;Aggressive&quot;\">lowering housing costs<\/a>. <\/p>\n<p class=\"wp-block-paragraph\">While the Trump administration has focused on reducing federal barriers to construction, critics argue affordability is also shaped by investor demand, local zoning restrictions, the types of homes builders choose to construct, and the political difficulty of lowering prices without hurting existing homeowners.<\/p>\n<p class=\"wp-block-paragraph\"><a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.washingtonexaminer.com\/news\/white-house\/4595782\/trump-announces-build-promenade-connecting-lincoln-memorial-potomac-river\/\"><strong>TRUMP ANNOUNCES HE\u2019LL BUilD A \u2018PROMENADE\u2019 CONNECTING LINCOLN MEMORIAL TO POTOMAC RIVER<\/strong><\/a><\/p>\n<p class=\"wp-block-paragraph\">The debate over how to address the housing shortage has followed Trump throughout his second term.<\/p>\n<p class=\"wp-block-paragraph\">Last fall, Trump reportedly even considered declaring a national housing emergency, the first such declaration issued by the executive branch since the end of World War II, to speed up construction. However, Cassidy said the administration ultimately concluded its deregulatory agenda offered a more effective path.<\/p>\n<\/div>\n<\/article>\n<p><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trump says housing affordability can be fixed by deregulation<\/p>\n","protected":false},"author":2645,"featured_media":2610899,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","fifu_image_url":"https:\/\/www.washingtonexaminer.com\/wp-content\/uploads\/2026\/06\/AP18275728718429.jpg?w=696","fifu_image_alt":"","footnotes":""},"categories":[],"tags":[61460,39648,42981],"class_list":["post-2610898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-housing-affordability","tag-red-tape","tag-regulatory-reform"],"fifu_image_url":"https:\/\/www.washingtonexaminer.com\/wp-content\/uploads\/2026\/06\/AP18275728718429.jpg?w=696","_links":{"self":[{"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/posts\/2610898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/users\/2645"}],"replies":[{"embeddable":true,"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/comments?post=2610898"}],"version-history":[{"count":3,"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/posts\/2610898\/revisions"}],"predecessor-version":[{"id":2610902,"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/posts\/2610898\/revisions\/2610902"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/media\/2610899"}],"wp:attachment":[{"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/media?parent=2610898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/categories?post=2610898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.conservativenewsdaily.net\/breaking-news\/wp-json\/wp\/v2\/tags?post=2610898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}