S-2651 : Still Just a Bill

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The **ROAD to Housing Act of 2025 (S. 2651)** aims to increase affordable housing in America through several key strategies:

• **Financial Literacy:** Reforms housing counseling programs.
• **Construction & Supply:** Addresses regulatory barriers, provides incentives for building in opportunity zones, offers grants for whole-home repairs, and supports transit-oriented housing development.
• **Manufactured Housing:** Expands the definition of manufactured homes, facilitates modular housing production, and modernizes property improvement loan programs.
• **Access to Homeownership:** Creates incentives for small dollar mortgages, addresses appraisal industry improvements, and seeks to help families save for homeownership.
• **Program Reform:** Reforms disaster recovery, reauthorizes the HOME Investment Partnerships program, reforms the Rural Housing Service, and attempts to reduce homelessness through program changes.
• **Veterans Housing:** Increases awareness of VA home loans and aims to house unhoused disabled veterans.
• **Oversight & Accountability:** Mandates annual testimony from housing regulators and enhances reporting requirements for FHA, USICH and NeighborWorks.
• **Coordination, Studies, & Reporting:** Improves interagency coordination and self-sufficiency in HUD-subsidized housing.

The bill includes provisions related to zoning, environmental review, financing, and program administration with the goal of boosting the availability of affordable housing units across the country.

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