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minorities because of new initiatives at Fannie Mae and Freddie Macthe giant federally chartered corporations that play critical, if obscure, roles in the home finance system. One key is to defend the Community Reinvestment Act, which the Senate shortsightedly voted to retrench recently. The administration also has sent a clear message by stiffening enforcement of the fair housing and fair lending laws. The top priority may be to ask more of Fannie Mae and Freddie Mac. All of this suggests that Clintons efforts to increase minority access to loans and capital also have spurred this decades gains.

Clinton has threatened a veto if the House concurs. It has aimed extensive advertising campaigns at minorities that explain how to buy a home and opened three dozen local offices to encourage lenders to serve these markets. Fannie Mae and Freddie Mac buy mortgages from lenders and bundle them into securities; that provides lenders the funds to lend more. Operating under that requirement, Fannie Mae, in particular, has been aggressive and creative in stimulating minority gains.

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Raines, the first African American to hold the post. Since 1994, when the numbers really took off, the number of black and Latino homeowners has increased by 2 million. Housing scholar William. How to adjust the valves on a tecumseh 6hp ohh60 motor quilt cruises caribbean rebuildable motorcycles free digital scrapbooking cruise downloads mossberg 550 cruiser shotgun pt cruiser overheating problems australia custom cruiser bicycle accessories mississippi cruise lewis and clark lake park sensors toyota land cruiser. Homeownership stabilizes neighborhoods and even families. But with discrimination in the banking system not yet eradicated, maintaining the momentum of the 1990s will also require a continuing nudge from Washington. By this spring, those figures had jumped.9 of blacks and.2 of Latinos. This trend is good news on many fronts.

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