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21st Century aggressive sales program Americans have become become homeowners better serve claims Clinton Administration costs counseling agencies Denver dream of homeownership efficiencies of scale enable FHA Federal Housing Administration FHA Capital Ratio FHA has reduced FHA insurance FHA needs FHA to better FHA's FHA’s ﬁeld ﬁrst ﬁrst-time homebuyers ﬁscal ﬂexibility fmancial govemment HECM Home Equity Homeownership Centers Homeownership Challenge homeownership rate began Homeseekers Housing Counseling housing professionals increase homeownership opportunities lender applications low-income borrowers loyal partner Meet The Homeownership micro-management minorities monitor performance Mortgage Insurance Fund mortgage markets multifamily Mutual Mortgage Insurance National Homeownership nonproﬁt corporations organizational changes permit fmancing President Clinton property improvement loans requirements responsive Restoring the Dream reverse mortgage revitalization secondary market Serve Homebuyers signiﬁcant single-family loans single-heads of households standing at 2.05 Streamlining of Operations system of housing target Taxpayer Savings Title I lender Today today’s transfonn underserved underwriting guidelines young families