BushNew steps to help homeowners（共6页）3700字.docx

BushNew steps to help homeowners（共6页）3700字.docx

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Bush:

Newstepstohelphomeowners

　　（september1,XXXX年）

　　goodmorning.thisweek,imetwithhousingsecretaryjacksonandtreasurysecretarypaulsontodiscusstheeconomyandtheturbulenceinournation'smortgageindustry.thefundamentalsofamerica'seconomyremainstrong.butthemortgageindustryisgoingthroughaperiodofadjustment.andsomeamericansareworriedabouttheimpactthisishavingontheirabilitytomaketheirmonthlymortgagepayments.

　　ihavemadeitaprioritytohelpamericanhomeownersnavigatethesefinancialchallenges,sothatasmanyfamiliesaspossiblecanstayintheirhomes.thefederalgovernmentwillnotbailoutlenders--becausethatwouldonlymakearecurrenceoftheproblemmorelikely.anditisnotthegovernment'sjobtobailoutspeculators,orthosewhomadethedecisiontobuyahometheyknewtheycouldneverafford.butisupportactionatthefederallevelthatwillhelpmoreamericanfamilieskeeptheirhomes.

　　oneimportantwaytohelphomeownersduringthistimeofhousingmarketstressisforcongresstochangeakeypartofthefederaltaxcode.undercurrentlaw,whenalenderforgivespartofamortgagetohelpitscustomerstayafloat,thatamountistreatedastaxableincome.whenyourhomeislosingvalueandyourfamilyisunderfinancialstress,thelastthingyouneedistobehitwithhighertaxes.soi'mworkingwithmembersofbothpartiestopassabillthatwillprotecthomeownersfromhavingtopaytaxesoncancelledmortgagedebt.

　　anotherimportantstepwe'retakingforamericanhomeownersistomodernizethefederalhousingadministration.thefhaisagovernmentagencythatprovidesmortgageinsurancetoborrowersthroughanetworkofprivatesectorlenders.i'vesentcongressimportantlegislationthatwouldhelpmoreamericansqualifyforthisinsurancebyloweringdown-paymentrequirements,increasingloanlimits,andprovidingmoreflexibilityinpricing.bypassingthislegislation,congresswillallowthefhatoreachmorefamiliesinneedofourassistance,andiaskcongresstoactquickly.

　　atthesametimewewilllaunchanewfhainitiativecalledfhasecure.thisinitiativewillhelpsomepeoplewhohavegoodcreditbuthaverecentlybeenmissingtheirpayments.fhasecurewillhelpthesefamiliesrefinancetheirmortgagessotheycanmaketheirpaymentsandkeeptheirhomes.

　　thereareotherwayswecanhelp.myadministrationwilllaunchanewforeclosureavoidanceinitiativetohelphomeownerslearnmoreabouttheirrefinancingoptions.i'vedirectedsecretarypaulsonandsecretaryjacksontolookintoinnovativewaystobringtogetherhomeownersandcounselinggroups,financialprofessionals,andthefhaandgovernment-sponsoredenterpriseslikefanniemaeandfreddiemactohelpamericanfamiliesfindthemortgageproductthatworksbestforthem.

　　finally,thefederalgovernmentisworkingtomakethemortgageindustrymoretransparentandmorereliableandmorefair,sowecanreducethelikelihoodthathomeownerswillfacesimilarproblemsinthefuture.federalbankingregulatorsarestrengtheninglendingstandardsandmakingmortgageseasiertounderstand.myadministrationisworkingonnewrulestohelpourconsumerscompareandshopforloansthatmeettheirbudgetsandneeds.wearecommittedtopursuingfraudandwrongdoinginthemortgageindustry.

　　homeownershiphasalwaysbeenpartoftheamericandream.duringmyadministrationwe'veachievedrecordhomeownershiprates.we'llcontinuetoworkhardtokeepourhousingmarketstrong,toensurethatamericanfamiliescanaffordthehomestheybuy,andtohelpbringthedignityandsecuritythatcomeswithhomeownershiptomoreofourcitizens.

　　thankyouforlistening.