The struggle to help financially needy to buy a home

mortgage programBy Joe Light | The Wall Street Journal

Affordable housing advocates and Democratic lawmakers have pushed hard on Fannie Mae and Freddie Mac’s regulator to do something to help borrowers who still owe more on their mortgages than their homes are worth.

Federal Housing Finance Agency officials are still considering what, if any, program they should roll out, but the time when such a program would have a substantial impact might have already passed, according to new research from the Urban Institute’s Housing Finance Policy Center.

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