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567 records 80 percent adjustable-rate mortgages adjusted agency total ALHFA allocation analysis assisted buyers Assisted Home Buyers basis points become home owners benefits bond authority bond issue bond program bond-assisted buyers bond-assisted mortgage bond-financed Bonds Do Little certificate authority conventional fixed-rate conventional loans Conventional Mortgage Market conventional mortgage rates conventional rate cost Fannie Mae federal first-time buyers first-time home buyers fixed-rate mortgages Freddie Mac funds gage GAO's home ownership home purchase house price housing agencies Housing Finance Agencies income and purchase Increase Affordability interest rates issuance authority Issues Surrounding Qualified lenders Little to Increase lower income buyers moderate-income monthly payments mort mortgage bond assistance mortgage credit certificates mortgage loan Mortgage Revenue Bonds private activity bond private mortgage insurers Probably Been Served qualified mortgage bonds ratio recapture received reduce requirements spread subsidy Surrounding Qualified Mortgage targeted areas Tax Reform Act tax-exempt tax-exempt bonds typically unified volume cap