- Housing affordability and access to housing is eroding confidence in upward mobility.
- High mortgage rates are blocking families out of homeownership.
- Congress is actively considering bipartisan housing bond legislation—volume‑cap relief is the logical next step.
Housing Policy
Every national story has a turning point. Not because of one headline or one election, but because citizens adjust what they believe is possible for their own lives and for their children’s lives.
We are in that moment now.
advisorhub.com
By Tom Kozlik
Head of Public Policy and Municipal Strategy
Hilltop Securities Inc.
Gary Garay
Head of Municipal Housing Banking
Hilltop Securities Inc.
February 11, 2026