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2.2 million Americans 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 Capital Ratio first-time homebuyers Fiscal Year 1995 HECM Home Equity Homeownership Center 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 National Performance Review organizational changes permit financing property improvement loans rehabilitation requirements responsive Restoring the Dream reverse mortgage revitalization secondary market Serve Homebuyers single-family loans single-heads of households standing at 2.05 Streamlining of Operations system of housing target Taxpayer Savings Title I lender Today transformation underserved underwriting guidelines young families