Brian Cavanaugh - Northpoint Mortgage

Navigating the home loan process can feel like paddling down a winding river. Sometimes calm, sometimes full of twists and turns. At Northpoint Mortgage, we’re here to be your guide, helping you steer with confidence from start to finish.

Let’s navigate the journey to homeownership together.

The 21st Century ROAD to Housing Act is now law. While it won't lower mortgage rates or home prices overnight, it could shape the housing market for years to come.

Here's what the new law includes:
✔️ More housing construction
✔️ Expanded opportunities for small-dollar mortgages
✔️ A boost for manufactured and modular homes
✔️ New appraisal protections for borrowers
✔️ Limits on large institutional investors buying single-family homes

The biggest takeaway? This is a long-term plan to improve housing affordability, not an instant fix.

Read our latest blog to learn what it means for homebuyers, homeowners, and real estate agents:

New Housing Law, New Opportunities? Here's What You Should Know The 21st Century ROAD to Housing Act is now federal law and one of the biggest housing reforms in decades. It won't drop mortgage rates tomorrow, but it reshapes supply, financing, and competition over the next several years.