07/13/2026
The 21st Century ROAD to Housing Act is now law. While it won't lower mortgage rates or home prices overnight, it could shape the housing market for years to come.
Here's what the new law includes:
✔️ More housing construction
✔️ Expanded opportunities for small-dollar mortgages
✔️ A boost for manufactured and modular homes
✔️ New appraisal protections for borrowers
✔️ Limits on large institutional investors buying single-family homes
The biggest takeaway? This is a long-term plan to improve housing affordability, not an instant fix.
Read our latest blog to learn what it means for homebuyers, homeowners, and real estate agents:
The 21st Century ROAD to Housing Act is now federal law and one of the biggest housing reforms in decades. It won't drop mortgage rates tomorrow, but it reshapes supply, financing, and competition over the next several years.