The Democrat governor of Washington state signed a bill this week that gave preference to “black, indigenous, and people of color” for forgivable loans, a proposal called “lawlessness” by a United States senator.
The <a href="https://legiscan.com/WA/text/HB1696/id/3086864" target="_blank" rel="noopener">bill</a>, HB 1696, states:
<blockquote>
As part of the covenant homeownership program, the department shall contract with the commission to design, develop, implement and evaluate one or more special purpose credit programs to reduce racial disparities in ownership in the state by providing down payment and closing cost assistance&#8230; The contract must authorize the commission to use up to one percent of the contract to provide targeted education, homeownership counseling, and outreach about special purpose credit programs created under this section to black, indigenous, and people of color and other historically marginalized communities in Washington state. 
</blockquote>
In 2023, Democrats in the state passed the Covenant Homeownership Program, which they said was a response to &#8220;historically marginalized communities&#8221; and the effects of racism in the real estate market and industry, creating a credit program for black, indigenous, and people of color communities that were impacted before the Fair Housing Act of 1968, Julie Barrett of Conservative Ladies of America <a href="https://conservativeladiesofamerica.substack.com/p/was-hb-1696-signed-into-law-taxpayer" target="_blank" rel="noopener">noted</a>. “The state contracted with a commission to administer the program to determine how the funds were going to be used and how they were going to be disbursed,” she added.
House Bill 1696<a href="https://www.king5.com/article/news/politics/state-politics/35-bills-signed-into-washington-law-olympia-bob-ferguson/281-55494909-ddd0-4725-ad51-a74bc6c18379" target="_blank" rel="noopener"> amended</a> the bill by expanding eligibility by raising the area median income threshold (AMI) for eligibility to 120%. If a borrower’s income is 80% or less of the AMI, their loans can be completely forgiven after five years. Anyone who is a descendant of a resident of the state before 1968 and was adversely affected before the Fair Housing Act of 1968 is eligible.
The bill was sponsored by Rep. Jamila Taylor, who said, “Homeownership is a gateway to building generational wealth, and it was largely closed to Black Americans and people of color for most of our country’s history. Buying a home is tough right now. Bringing more diversity into the pool of homeownership builds stronger communities and is another solution in solving the current housing crisis in our state.&#8221;
When <a href="https://www.thecentersquare.com/washington/article_9e074162-e8eb-11ef-8315-531e743c69af.html" target="_blank" rel="noopener">asked,</a> “Is one of the elements that a person qualifying for this program would need to show that they were affected by a racially restrictive covenant, personally?” Taylor answered, “What do you mean affected? If the person was a resident in the state prior to 1968 they were affected because they were part of a racial class.”
“Washington state’s covenant homeownership program provides down payment and closing cost assistance for low income, first-time home buyers,” Democrat Gov. Bob Ferguson stated as he signed the bill into law. “Lawmakers create a program to address the disproportionate impacts of racial redlining in Washington state. House Bill 1696 modifies the program by adjusting the area median income threshold for program eligibility, introducing loan forgiveness and modifying the oversight committee membership. This modification will create more opportunities to close the racial home ownership gap, which is a very important goal for all of us here in Washington state. We so appreciate everybody who made this legislation possible. Like every legislation it’s challenging; this one has its share of challenges, as we know &#8230; I’m pleased to sign this legislation into law.”
Utah GOP Senator Mike Lee, a constitutional scholar, wrote on X, “The Fourteenth Amendment’s Equal Protection Clause prohibits this. It’s not even a close question. This is lawlessness.”
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">
The Fourteenth Amendment’s Equal Protection Clause prohibits this
It’s not even a close question 
This is lawlessness <a href="https://t.co/ykeX0RPICm">https://t.co/ykeX0RPICm</a>
&mdash; Mike Lee (@BasedMikeLee) <a href="https://twitter.com/BasedMikeLee/status/1915552772193419587?ref_src=twsrc%5Etfw">April 24, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>
Notably, Lee’s post was reposted by Harmeet Dhillon, the Assistant Attorney General for Civil Rights.

Americans Await Results In 2024 Presidential Election

‘Lawlessness’: Washington Dem Gov Signs Bill Giving Racial Preference In Forgivable Housing Loans

Housing

Politics

Racial preferences

Social Issues

Washington

People in the country illegally will no longer have access to taxpayer-backed mortgages, the Trump administration announced on Wednesday.
Housing and Urban Development (HUD) Secretary Scott Turner wrote on X that the access will be halted, the day after a HUD official notified Federal Housing Administration (FHA)-approved mortgage lenders of the change.
“Today, HUD terminated Biden’s taxpayer-backed FHA mortgages for illegal aliens,” Turner wrote on X. “American taxpayers will no longer subsidize open borders by offering home loans to those who enter our nation illegally.”
<blockquote class="twitter-tweet">
Today, HUD terminated Biden&#8217;s taxpayer-backed FHA mortgages for illegal aliens.
American taxpayers will no longer subsidize open borders by offering home loans to those who enter our nation illegally.
— Scott Turner (@SecretaryTurner) <a href="https://twitter.com/SecretaryTurner/status/1904943164655304952?ref_src=twsrc%5Etfw">March 26, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>
The official notice to lenders said that “non-permanent residents” will also be ineligible for the low-income home loans that are backed by taxpayers, the New York Post <a href="https://nypost.com/2025/03/26/us-news/trump-admin-bars-illegal-migrants-and-non-permanent-residents-from-receiving-taxpayer-backed-mortgages/" target="_blank" rel="noopener">reported</a>.
“Currently, non-permanent residents are subject to immigration laws that can affect their ability to remain legally in the country,” Deputy Assistant Secretary for Housing Jeffrey Little wrote in a <a href="https://www.hud.gov/sites/default/files/OCHCO/documents/2025-09hsgml.pdf" target="_blank" rel="noopener">letter</a> to the lenders. “This uncertainty poses a challenge for FHA as the ability to fulfill long-term financial obligations depends on stable residency and employment.”
Little didn’t know how many non-permanent residents have received FHA mortgages, but said the practice would stop immediately.
“In the past, FHA’s residency requirements have required Mortgagees to document the Borrower’s lawful residency status demonstrating long-term financial stability and eligibility for federal programs,” Little wrote. “FHA does not retain citizenship or residency data from the loan application and therefore does not maintain information on the number of non-permanent residents who have received FHA-insured loans under past policies.”
“This update ensures that FHA’s mortgage insurance programs are administered in accordance with Administration priorities while fulfilling its mission of providing access to homeownership,” he added.
The Biden administration ordered FHA mortgage lenders to provide loans to non-permanent residents who were part of the Deferred Action for Childhood Arrivals (DACA) program, but HUD’s new policy will block those recipients as well as those who have pending asylum claims.
HUD is not the only federal department that has provided mortgages to illegal immigrants. Between 2020 and 2024, the Department of Health and Human Services (HHS) reportedly spent $22.6 billion on illegal immigrants, including cash payments for cars and home loans, The Daily Wire <a href="https://www.dailywire.com/news/hhs-spent-more-than-22b-on-illegal-immigrants-including-home-loans-and-cars">previously reported</a>.
Watchdog organization OpenTheBooks <a href="https://openthebooks.substack.com/p/5f0bfa8c-91b1-4477-baa5-b98ecf340a76" target="_blank" rel="noopener">found</a> in February that HHS’ Office of Refugee Resettlement (ORR) had spent the money, noting that the grants  “acted as giant magnets for those seeking to cross the border and claim asylum.”
In ORR’s 2023 Congressional Budget Justification, the agency suggested expanding its mandate to include unaccompanied minors, Ukrainian and Afghan children, and full-time college or technical school students designated as refugees. It also wanted to remove the requirement that refugees obtain economic self-sufficiency “as quickly as possible.”

Housing In California

Trump Admin Bans Illegal Immigrants From Getting Taxpayer-Backed Mortgages

Trump Administration Bans Illegal Immigrants From Getting Taxpayer-Backed Mortgages

Illegal Immigation

Trump Administration

U.S.

The Departments of the Interior (DOI) and Housing and Urban Development (HUD) are creating a taskforce to study how federal land could be used to alleviate America’s housing shortage.
Interior Secretary Doug Burgum and HUD chief Scott Turner announced the partnership between their departments on Monday in a clip posted to social media. The two cabinet secretaries signed an agreement to begin work on tackling “our nation’s housing affordability crisis.”
“HUD will work with DOI to assess the housing needs in areas where federal lands may. Available yet underutilized and implement tailored housing programs with guidance from states and localities,” Turner said.
Burgum added: “This partnership will identify underutilized federal lands suitable for residential development and streamline the land transfer process. It will also promote policies to increase the availability of affordable housing while balancing important environmental and land use considerations.”
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">
We need 7 million affordable homes in America and 20% of America’s landmass is owned by the Department of Interior. 
Today, <a href="https://twitter.com/SecretaryBurgum?ref_src=twsrc%5Etfw">@SecretaryBurgum</a> and I are announcing a partnership between <a href="https://twitter.com/HUDgov?ref_src=twsrc%5Etfw">@HUDgov</a> &amp; <a href="https://twitter.com/Interior?ref_src=twsrc%5Etfw">@Interior</a> to identify and open under utilized federal lands for affordable housing. <a href="https://t.co/p1EU04Ay7B">pic.twitter.com/p1EU04Ay7B</a>
&mdash; Scott Turner (@SecretaryTurner) <a href="https://twitter.com/SecretaryTurner/status/1901634637606035462?ref_src=twsrc%5Etfw">March 17, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>
The federal government owns about a quarter of the land inside the United States, and most of that land is located in the western regions of the country. The Bureau of Land Management, which resides within the Department of the Interior, is responsible for overseeing much of that land.
The effort to build millions of new homes, if it proves workable, would be one of the largest housing efforts in United States history. Past attempts have been unsuccessful, however, largely due to disagreements between officials at the various levels of government involved in such an undertaking, according to <a href="https://www.wsj.com/economy/housing/trump-wants-to-build-homes-on-federal-land-heres-what-that-would-look-like-6b8fb82e" target="_blank" rel="noopener">The Wall Street Journal</a>.
The housing plan would likely focus on federal lands around major cities such as Las Vegas, Phoenix, and Salt Lake City, according to experts. A preliminary analysis by a conservative think tank, the American Enterprise Institute, found that housing developments on just 512,000 acres of the federal government’s roughly 640 million acres would result in three to four million homes.
Burgum and Turner outlined the agreement in an <a href="https://www.wsj.com/opinion/federal-land-can-be-home-sweet-home-joint-task-force-hud-interior-department-housing-affordability-3a281d36?mod=article_inline" target="_blank" rel="noopener">op-ed</a> in The Wall Street Journal on Sunday.
“HUD will pinpoint where housing needs are most pressing and guide the process by working with state and local leaders who know their communities best. Interior will identify locations that can support homes while carefully considering environmental impact and land-use restrictions,” the secretaries wrote.
“Streamlining the regulatory process is a cornerstone of this partnership. Historically, building on federal land is a nightmare of red tape—lengthy environmental reviews, complex transfer protocols and disjointed agency priorities. This partnership will cut through the bureaucracy,” they continued. “This isn’t a free-for-all to build on federal lands, although we recognize that bad-faith critics will likely call it that. It’s a strategic effort to use our resources responsibly while preserving our most beautiful lands.”

Las Vegas

Burgum, Turner Announce Taskforce To Tackle ‘Housing Affordability Crisis’ In U.S.

Department of the Interior

Doug Burgum

Economy

They say everything is bigger in Texas, and for Scott Turner, President Trump’s nominee to lead Housing and Urban Development, that means bigger opportunities to restore hope and prosperity to millions of Americans.
It’s no wonder that during a time when woke policies have replaced common sense in Democrat-run cities and states, millions have flocked to Texas in search of affordable housing and a thriving economy.
Since President Biden took office, housing affordability has reached record lows, making homeownership unattainable for nearly 99% of American families. Under his leadership, commonsense policymaking has been replaced by economic mismanagement, skyrocketing inflation, and interest rates at their highest levels in 23 years. As a result, families are now forced to spend more on daily necessities while housing prices spiral out of reach.
President Trump campaigned on a mandate to solve this crisis, and by nominating Turner as HUD Secretary, he’s taking bold action to Make Housing Affordable Again.
The Biden administration’s disastrous policies have only compounded the crisis. Excessive regulations have choked the housing market’s ability to expand supply, while millions of migrants crossing the open southern border are now competing with American citizens for the same limited housing stock.
Adding insult to injury, reports have surfaced of illegal immigrants receiving free housing — paid for with taxpayer dollars — while veterans are left sleeping on the streets.
As a veteran who served in Iraq and Saudi Arabia, I find this not only unacceptable, but appalling. In November, voters made it clear they want change, electing President Trump to put America First and tackle this crisis head-on.
Trump has laid out a credible plan to bring relief to American families. By reducing inflation, cutting mortgage rates, unleashing America’s energy potential, and deporting illegal immigrants driving up housing demand, we can lower costs and stabilize the market.
Under Turner’s leadership, HUD will prioritize new development by opening portions of federal land for large-scale housing projects with low taxes and fewer regulations. Solving the housing crisis is no small task, but President Trump has promised action, and Turner is the ideal leader to deliver results.
This isn’t Turner’s first time taking on monumental challenges. In 2019, President Trump entrusted him with leading the White House Opportunity and Revitalization Council, where he worked to revitalize distressed communities across the country. Under Turner’s leadership, forgotten neighborhoods experienced new investment, job creation, and economic growth.
President Trump called it an “unprecedented effort that transformed our country’s most distressed communities.” That same commitment and vision will now be brought to HUD, where Turner will focus on making housing affordable and accessible for all Americans.
Turner’s experience as a businessman has prepared him to meet this moment. His proven ability to focus on solutions has brought real change to Texas, and now it’s time for America to benefit from his leadership.
I am confident that Scott Turner will bring the same passion, determination, and optimism he demonstrated during the first Trump administration to tackle the housing crisis head-on. Together, we can restore the American Dream, where every family has the opportunity to afford a home, provide for their loved ones, and secure a brighter future.
* * *
Wesley Hunt is a U.S. Representative from Texas.
The views expressed in this piece are those of the author and do not necessarily represent those of The Daily Wire.

Trump Attends White House Opportunity And Revitalization Council Meeting

Make Housing Affordable Again with Scott Turner

Donald Trump

For years, my husband and I watched the American Dream of homeownership grow further and further out of reach. We’re hard-working, law-abiding citizens, striving to build a future for ourselves and our growing family, but the rising cost of living and stagnant wages made that dream seem like just that — an unattainable fantasy. The thought of owning a home where we could plant roots, build memories, and raise our son in a stable, secure environment often felt impossible.
And we’re not alone. Many young Americans feel this way, including members of Generation Z, who are just starting their careers, families, and financial journeys. For young families and Gen Z alike, homeownership and financial security have been slipping further out of reach with each passing year. But after Donald Trump’s resounding victory in the 2024 election, that dream feels within reach again. My heart swells with hope and gratitude as I consider that the very real possibility of homeownership is now back on the table — not just for my family, but for millions of young families and Gen Z Americans who deserve a shot at a stable future.
Donald Trump’s return to the White House symbolizes a turning point in American economic policies, one that prioritizes the interests of everyday Americans. He has consistently championed policies that aim to reduce the tax burden on families, stabilize inflation, and incentivize homeownership. And now, we have a leader who understands that the American Dream isn’t just about accumulating wealth; it’s about fostering communities, strengthening family bonds, and building a nation of strong, self-reliant citizens.
<h3>The Erosion Of Homeownership In America</h3>
Over the past few years, rising inflation, skyrocketing interest rates, and unchecked housing prices left countless families unable to achieve the fundamental American aspiration of homeownership. Home prices have increased by over $93,000 on average as well as the 30-year fixed mortgage rate having more than doubled since the beginning of 2021. With inflation soaring and the cost of even a modest home escalating, the future has to look grim.
As the government prioritized massive spending, as we watched the price of everyday essentials like gas and groceries increase, the cost of living rose across the board. For everyday Americans, essential milestones have felt nearly impossible to achieve. The path to homeownership has been filled with obstacles, and the federal government seemed to have little interest in creating a stable, thriving economy for the next generation.
<h3>A New Hope For Young Families And Gen Z</h3>
Trump’s return signals the start of an economic renaissance — an America First agenda that once again places the interests of families, workers, and young Americans at the forefront. Under Trump’s leadership, we can expect policies that encourage homeownership, which not only helps families plant roots but also builds stronger communities. 
Homeownership isn&#8217;t just about property; it&#8217;s about stability. It’s about families and young people investing in their communities, knowing that they have a stake in their neighborhoods and their future. The promise of stable mortgage rates and a reining in of inflation under Trump means that more Americans — including young people just starting their journeys — will finally have a shot at the security that homeownership provides.
<h3>The Path To A Bright Future For Our Children — And Theirs</h3>
As a parent, there is no greater responsibility — and no greater joy — than being able to provide a stable, nurturing environment for our children. Every parent dreams of giving their child a safe place to play, to learn, and to grow. And every parent knows the importance of instilling a sense of pride and security in their children.
Likewise, Generation Z, who are just beginning their adult lives, want a stable and bright future, too. For Gen Z, who came of age during difficult economic times, homeownership has often felt out of reach. They’re eager to start careers and families, and invest in the American Dream themselves. They want a nation where their hard work is rewarded and where homeownership isn’t just a privilege for the few but a possibility for the many.
Trump’s vision for America is built on the idea that the family and the individual are the foundations of our society. 
<h3>The Resurgence Of The American Dream</h3>
My husband and I aren’t wealthy or powerful. We’re everyday Americans who work hard, who value family, and who want the best for our children. For us, Trump’s victory isn’t just a political win; it’s a profound, personal triumph. It means our family might have a real chance at owning a home, at putting down roots, and at creating a better future.
And for Gen Z, who are just stepping into adulthood, this victory means they, too, have a shot at building the lives they’ve dreamed of. This election wasn’t just about politics; it was about securing a future that values young Americans, that empowers families, and that understands what truly makes America great.
With Trump back in the White House, I feel a renewed sense of optimism — not just for my family, but for all Americans. We are seeing the rebirth of an economy that works for the people. The American Dream isn’t dead; it’s alive and well, and it’s more attainable than ever.
<h3><a href="https://www.amiracist.com/?_gl=1*jtghwp*_gcl_au*ODQ1NjYzNTg2LjE3Mjg5MDk3OTE.*_ga*MTc2NzM0NDQ2NS4xNzI4OTA5Nzkx*_ga_CZKR9ZYKJP*MTczMDEyMDgwOS40OS4xLjE3MzAxMjA4MzkuMzAuMC4w" target="_blank" rel="noopener">MATT WALSH&#8217;S &#8216;AM I RACIST?&#8217; NOW STREAMING ON DAILYWIRE+</a></h3>
So as I look at my son and think about the years ahead, I feel something that many of us thought we’d lost: hope. Hope that we’ll raise our son in a home that’s ours. Hope that young Americans — Gen Z and others — will have a real shot at financial security and homeownership. And hope that this country, with its foundation of freedom, opportunity, and hard work, will continue to shine brightly for generations to come.
In 2025, we will have a leader who’s not afraid to restore the American Dream. And for that, my family, Gen Z, and millions of other Americans are eternally grateful.
* * *
Alexandra Lains is a conservative political commentator, mom and verbal sniper. Follow her on Instagram: @livinglifelikealex and on X: @realalexlains
The views expressed in this piece are those of the author and do not necessarily represent those of The Daily Wire.

Wide shot of family looking at home for sale with real estate agent

Why Trump’s Victory Offers Hope To Young Families And Gen Z

2024 Election

finance

Gen Z

Mortgages

Opinion

Young people

On Tuesday night at the vice presidential debate, GOP vice presidential candidate JD Vance contended that the massive influx of illegal immigrants was causing housing prices to rise. When moderator Margaret Brennan challenged his assertion, he replied that after the debate, he would publish remarks from the Federal Reserve Board that supported his contention, which he did only hours after the debate ended.
Speaking on the issue, Vance stated at the debate, “We do want to blame Kamala Harris for letting in millions of illegal aliens into this country, which does drive up costs, Tim. Twenty-five million illegal aliens competing with Americans for scarce homes is one of the most significant drivers of home prices in the country. It&#8217;s why we have massive increases in home prices that have happened right alongside massive increases in illegal alien, alien populations under Kamala Harris&#8217;s leadership. &#8230;We have a lot of Americans that need homes. We should be kicking out illegal immigrants who are competing for those homes, and we should be building more homes for the American citizens who deserve to be here.”
Brennan then interjected, “But, Senator, on that point, I&#8217;d like for you to clarify. There are many contributing factors to high housing costs. What evidence do you have that migrants are part of this problem?”
“Well, there&#8217;s a Federal Reserve study that we&#8217;re happy to share after the debate,” Vance replied. “We&#8217;ll put it up on social media. Actually, that really drills down on the connection between increased levels of migration, especially illegal immigration, and higher housing prices. Now, of course, Margaret, that&#8217;s not the entire driver of higher housing prices. It&#8217;s also the regulatory regime of Kamala Harris. Look, we are a country of builders. We&#8217;re a country of doers. We&#8217;re a country of explorers. But we increasingly have a Federal administration that makes it harder to develop our resources, makes it harder to build things, and wants to throw people in jail for not doing everything exactly as Kamala Harris says that they have to do. And what that means is that you have a lot of people who would love to build homes who aren&#8217;t able to build homes.&#8221;
<a href="https://www.amiracist.com/" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://www.amiracist.com/&amp;source=gmail&amp;ust=1726313279401000&amp;usg=AOvVaw115_qPFFEePDP86-Fvo-Vd">Am I Racist? Is In Theaters NOW — Get Your Tickets Here!</a>
A few hours later, Vance published remarks from Michelle W. Bowman, who has served as a member of the Federal Reserve Board of Governors since 2018 and <a href="https://www.federalreserve.gov/newsevents/speech/bowman20240503a.htm" target="_blank" rel="noopener">spoke</a> at the Massachusetts Bankers Association Annual Convention in Key Biscayne, Florida, on May 3. Vance wrote on X, “As promised earlier tonight, here is Michelle Bowman of the Federal Reserve Board of Governors.” Bowman stated:
<blockquote>
There is a risk that strong consumer demand for services, increased immigration, and continued labor market tightness could lead to persistently high core services inflation. Given the current low inventory of affordable housing, the inflow of new immigrants to some geographic areas could result in upward pressure on rents, as additional housing supply may take time to materialize. Wage growth has remained at an elevated rate of between 4 and 5 percent, still higher than the pace consistent with our 2 percent inflation goal given trend productivity growth.
</blockquote>
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">
As promised earlier tonight, here is Michelle Bowman of the Federal Reserve Board of Governors:
&quot;Given the current low inventory of affordable housing, the inflow of new immigrants to some geographic areas could result in upward pressure on rents.&quot;<a href="https://t.co/dfO0wFmyPs">https://t.co/dfO0wFmyPs</a> <a href="https://t.co/KfDjPaZC7G">pic.twitter.com/KfDjPaZC7G</a>
&mdash; JD Vance (@JDVance) <a href="https://twitter.com/JDVance/status/1841338114897293712?ref_src=twsrc%5Etfw">October 2, 2024</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

CBS News 2024 Vice Presidential Debate

Vance Follows Up Debate With Receipts On X: ‘As Promised’

Debate

Elections

Illegal Immigration

JD Vance

Margaret Brennan

Tim Walz

Vice President <a href="https://www.dailywire.com/topic/kamala-harris" target="_blank" rel="noopener">Kamala Harris</a> struggled to answer questions Friday night during her first solo interview as the Democrat presidential nominee.
The interview with 6abc Action News (WPVI-TV) was with a friendly reporter who did not ask Harris any difficult questions.
Harris was asked during the first question if she could name &#8220;one or two specific things&#8221; that she is planning to do that will bring prices down and make life more affordable for people.
Harris was not able to name a single policy that will bring down prices. She later mentioned her plan to give $25,000 in down payment assistance to first-time home buyers, but that does not make owning a home more affordable, it increases the cost of homes.
&#8220;Well, I&#8217;ll start with this,&#8221; Harris began. &#8220;I grew up a middle class kid. My mother raised my sister and me. She worked very hard. She was able to finally save up enough money to buy our first house when I was a teenager. I grew up in a community of hard working people, you know, construction workers and nurses and teachers. And I try to explain to some people who may not have had the same experience, you know, if &#8212; but a lot of people will relate to this. You know, I grew up in a neighborhood of folks who were very proud of their lawn, you know? And, and I was raised to believe and to know that all people deserve dignity and that we, as Americans, have a beautiful character.&#8221;
<a href="https://www.amiracist.com/" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://www.amiracist.com/&amp;source=gmail&amp;ust=1726313279401000&amp;usg=AOvVaw115_qPFFEePDP86-Fvo-Vd">Am I Racist? Is In Theaters NOW — Get Your Tickets Here!</a>
&#8220;You know, we have ambitions and aspirations and dreams, but not everyone necessarily has access to the resources that can help them fuel those dreams and ambitions,&#8221; she continued. &#8220;So when I talk about building an opportunity economy, it is very much with the mind of investing in the ambitions and aspirations and the incredible work ethic of the American people and creating opportunity for people, for example, to start a small business. My mother, you know, worked long hours, and our neighbor helped raise us, we used to call her &#8230; I still call her our second mother. She was a small business owner. I love our small business owners. I learned who they are from my childhood, and she was a community leader. She hired locally, she mentored. Our small businesses are so much a part of the fabric of our communities, not to mention, really, I think, the backbone of America&#8217;s economy.&#8221;
She then touted how she would give business startups a large tax deduction, which does not bring down prices or make living more affordable.
After talking about how she will give people $25,000 in assistance to purchase homes, she then claimed that those people will be able to afford those homes long-term. Many experts have warned that the incentives that Harris is creating could lead people to purchase homes that they won&#8217;t be able to afford long-term, thus leading to a mortgage crisis.
WATCH:
<blockquote class="twitter-tweet">
Kamala details her plan to bring down prices (which are up 20.3% since she took office):
&#8220;I grew up in a neighborhood of folks who were very proud of their lawn. Ya know?&#8221; <a href="https://t.co/XbRpRHaLKs">pic.twitter.com/XbRpRHaLKs</a>
— Trump War Room (@TrumpWarRoom) <a href="https://twitter.com/TrumpWarRoom/status/1834717120510541835?ref_src=twsrc%5Etfw">September 13, 2024</a></blockquote>

Kamala Harris

Kamala Harris Struggles To Answer Basic Question During First Solo Interview

Media

California Gov. <a href="https://www.dailywire.com/topic/gavin-newsom" target="_blank" rel="noopener">Gavin Newsom</a> killed a bill that would have allowed illegal immigrants to be eligible for a housing program where they could receive an interest-free loan worth up to $150,000 for a home purchase.
On Friday, Newsom vetoed the bill proposed by Democratic Assemblymember Joaquin Arambula of Fresno that would make illegal immigrants eligible for California’s Home Purchase Assistance Program, which allows some first-time home buyers to get up to $150,000 in interest-free loans for a home down payment, <a href="https://www.cbsnews.com/amp/sacramento/news/newsom-vetoes-bill-undocumented-immigrants-home-loans-california/">CBS News</a> reported.
&#8220;Given the finite funding available for CalHFA programs, expanding program eligibility must be carefully considered within the broader context of the annual state budget to ensure we manage our resources effectively,&#8221; Newsom said in a message <a href="https://www.gov.ca.gov/wp-content/uploads/2024/09/AB-1840-Veto-Message.pdf">addressed to members of the state Assembly</a> after vetoing the bill.
At a briefing later that day, Newsom defended his move to kill the bill, <a href="https://www.politico.com/news/2024/09/06/newsom-california-undocumented-immigrants-homes-00177748">Politico</a> reported.
“The bill that was sent to me was [on] a program that had no money, and it was expanding eligibility to a program that had no money,” Newsom said.
“It seemed rather curious to me,” he added. “So it was unnecessary and completely consistent with prior vetoes along those similar lines.”
The bill passed 53-18 in the state Assembly and 25-14 in the Senate before heading to the governor’s desk.
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No Republicans in the Assembly or Senate voted in favor of the proposal and argued that the bill’s passage would continue to incentivize illegal immigration and create unfair competition for American citizens struggling to buy a home, as <a href="https://www.dailywire.com/news/ca-dems-pass-bill-to-give-illegal-immigrants-up-to-150k-interest-free-home-loans">The Daily Wire</a> previously reported.
“It’s a slap in the face to legal immigrants when we incentivize the breaking of our laws and the normalizing of being in this country unlawfully,” said Assemblymember Bill Essayli (R). “We need to close our border. This is a problem of our own making. We have made the borders wide open, millions of people are coming over and now the state of California is creating a huge incentive for those who came here illegally to come to California.”
Newsom’s veto comes a day after former <a href="https://www.dailywire.com/topic/donald-trump" target="_blank" rel="noopener">President Donald Trump</a> talked about the “flood” of millions of people entering the country illegally, which he said has driven up housing costs.
<iframe loading="lazy" title="Trump delivers speech to Economic Club of New York" width="500" height="281" src="https://www.youtube.com/embed/74syVUaMF_I?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe>
During a speech at the Economic Club of New York, <a href="https://www.youtube.com/watch?v=74syVUaMF_I">Trump</a> talked about the proposed CA bill and vowed to &#8220;ban mortgages for illegal aliens.&#8221;
Trump also vowed that, when president, he would ask “Congress to pass legislation barring all tax-payer funded benefits” to illegal immigrants.
Leif Mahieu contributed to this piece.

Gov. Gavin Newsom (D-CA)

Gavin Newsom Kills Bill That Would Give Illegal Immigrants Massive Help To Buy Homes

California

Gavin Newsom

Democrats in <a href="https://www.dailywire.com/topic/california" target="_blank" rel="noopener">California</a> passed a bill on Wednesday that allows illegal immigrants to be eligible for a housing program where they could receive an interest-free loan worth up to $150,000 for a home purchase.  
The <a href="https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202320240AB1840" target="_blank" rel="noopener">legislation</a> makes illegal immigrants eligible for California’s Home Purchase Assistance Program, which allows some first-time home buyers to get up to $150,000 in interest-free loans for a home down payment. The bill passed 53-18 in the state Assembly and 25-14 in the Senate and now heads to Democratic Governor Gavin Newsom&#8217;s desk. No Republicans in the Assembly or Senate voted in favor of the proposal.
According to the legislation, no one applying for the loan can be “disqualified solely based on the applicant’s immigration status.” The state has already spent more than half a billion on the program for nearly 4,000 loans. 
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The legislation was introduced by Democrat Assemblymember Joaquin Arambula, who said the proposal would help attract people with a good credit score. 
“So for those who have a good credit score and who qualify for a loan, we are saying that we want you to set roots here in our great state if you qualify, only if you qualify,” he said, <a href="https://www.latimes.com/california/story/2024-08-29/california-lawmakers-approve-home-mortgage-aid-to-undocumented-immigrants" target="_blank" rel="noopener">according</a> to the Los Angeles Times. 
Republicans argued that the bill&#8217;s passage would continue to incentivize illegal immigration and create unfair competition for American citizens struggling to buy a home. 
“It’s a slap in the face to legal immigrants when we incentivize the breaking of our laws and the normalizing of being in this country unlawfully,” said Assemblymember Bill Essayli (R). “We need to close our border. This is a problem of our own making. We have made the borders wide open, millions of people are coming over and now the state of California is creating a huge incentive for those who came here illegally to come to California.”
<blockquote class="twitter-tweet">
California democrats love illegal immigration so much they offer many incentives for them to come here.
Today, the Assembly just voted to give illegal immigrants free down payment assistance (up to $150k) to buy a house a new home. Thats on top of providing free health care and… <a href="https://t.co/qGJ4OIcLCG">pic.twitter.com/qGJ4OIcLCG</a>
— Bill Essayli (@billessayli) <a href="https://twitter.com/billessayli/status/1828949867575816541?ref_src=twsrc%5Etfw">August 29, 2024</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>
Republican Assembly Leader James Gallagher said the legislation would worsen the border crisis. 
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“I didn’t know it was possible to make the border crisis and the housing crisis worse with just one vote, but Democrats found a way,” he <a href="https://x.com/J_GallagherAD3/status/1829014739382612000" target="_blank" rel="noopener">said</a>. “Giving taxpayer-funded housing subsidies to illegal immigrants will drive costs even higher and encourage more chaos at the border.”
The San Diego border sector has become one of the hotspots for unlawful crossings in recent months, with the Biden-Harris administration <a href="https://www.dailywire.com/news/biden-admin-released-72-of-illegal-migrants-who-entered-san-diego-sector-despite-supposed-crackdown">reportedly</a> releasing thousands of illegal immigrants who had been apprehended.

U.S. President Joe Biden Unveils Immigration Order Severely Limiting Asylum-seeker Crossings

CA Dems Pass Bill To Give Illegal Immigrants Up To $150K Interest-Free Home Loans

U.S. Politics

Vice President Kamala Harris was slammed on Friday as she announced a plan to give first-time homeowners $25,000 from the federal government for a down payment on a house.
Harris officially unrolled the plan during her Friday afternoon rally in North Carolina. The vice president <a href="https://x.com/KamalaHarris/status/1824519283705028690" target="_blank" rel="noopener">promised</a> that a Harris-Walz administration would give working families up to $25,000 in down payment assistance if they have paid their rent on time for two years and are first-time buyers. Those who are first-generation homeowners would get more assistance than other first-time homeowners, ABC News reporter Selina Wang <a href="https://x.com/selinawangtv/status/1824209836474597457" target="_blank" rel="noopener">wrote</a> on X after getting details about the proposal from a Harris campaign official.
Republican vice presidential candidate JD Vance ripped Harris&#8217; housing proposal, warning that it would be used to give illegal immigrants &#8220;American homes.&#8221;
&#8220;Kamala Harris wants to give $25,000 to illegal aliens to buy American homes. This will only further exacerbate the housing shortage in our country. It&#8217;s a disgrace,&#8221; Vance <a href="https://x.com/JDVance/status/1824447704937758778" target="_blank" rel="noopener">posted</a> on X. &#8220;We should be making it easier and more affordable for American citizens to buy homes.&#8221;
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Vance addressed the U.S. housing crisis on Wednesday, telling supporters in Michigan, “Americans, especially young people, are becoming paupers in their own country. If we don’t do better, our young generation, they’re not going to own anything, they’re not going to have anything, they’re going to be renters in the country that their parents and grandparents built. Inflation is a disaster.&#8221;
Daily Wire Editor Emeritus Ben Shapiro <a href="https://www.dailywire.com/episode/ep-2028-commie-la-harris-soviet-style-joy" target="_blank" rel="noopener">said</a> Harris&#8217; proposal will only &#8220;flush money down the toilet&#8221; because it will give handouts &#8220;to people who cannot afford to pay for the mortgage.&#8221;
He added that all of Harris&#8217;s &#8220;market interventionism is simply a sop to people who want free stuff from the federal government. And by the way, it ain&#8217;t free. We all get to pay for it, or rather, all of our children get to pay for it.&#8221;
Median home prices in the U.S. have skyrocketed under the Biden-Harris administration, hitting a peak of $479,500 in the fourth quarter of 2022. The median home price dropped in 2023, but it remains higher than during the final months of the Trump administration, according to <a href="https://www.rockethomes.com/blog/housing-market/median-home-price-by-state" target="_blank" rel="noopener">Rocket Homes</a>.
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On Friday, Harris also announced a proposal to institute price controls on groceries. Her plan would be “the first-ever federal ban on corporate price-gouging” if it were to go into effect, NBC News reporter Yamiche Alcindor <a href="https://x.com/Yamiche/status/1823909069742096813" target="_blank" rel="noopener">said</a>. Conservatives also blasted Harris for the price control plan, comparing it to the Soviet Union practices that resulted in food shortages.
Trump <a href="https://x.com/TrumpWarRoom/status/1824187031875928343" target="_blank" rel="noopener">slammed</a> Harris on Thursday, saying at a press conference in Bedminster, New Jersey, “Now Kamala is reportedly proposing communist price controls, she wants price controls. And if they worked, I’d go along with it, too, but they don’t work. They actually have the exact opposite impact and effect and it leads to food shortages, rationing, hunger, dramatically more inflation.”

Kamala Ripped For Plan To Give First-Time Homeowners Federal Handouts

Kamala To Propose $25K In Down Payment Assistance For First-Time Homeowners

Ben Shapiro

Federal Government

Young Americans &#8220;are becoming paupers in their own country&#8221; as inflation and housing costs have increased under the Biden-Harris administration, Republican vice presidential nominee JD Vance said on Wednesday.
During his speech in Byron Center, Michigan, Vance focused on the economic woes facing Americans and argued that the younger generation of U.S. adults is experiencing challenges in the housing market that their parents and grandparents did not face.
&#8220;Americans, especially young people, are becoming paupers in their own country. If we don’t do better, our young generation, they’re not going to own anything, they’re not going to have anything, they’re going to be renters in the country that their parents and grandparents built. Inflation is a disaster,&#8221; Vance said, according to <a href="https://www.detroitnews.com/story/news/politics/2024/08/14/jd-vance-speaking-economy-in-kent-county-michigan/74771249007/" target="_blank" rel="noopener">The Detroit News</a>.
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Median home prices in the U.S. have skyrocketed, hitting a peak of $479,500 in the fourth quarter of 2022, according to <a href="https://www.rockethomes.com/blog/housing-market/median-home-price-by-state" target="_blank" rel="noopener">Rocket Homes</a>. At the end of 2020, the final months of the Trump administration, the median home price was $358,700. Rent prices in the U.S. have also increased by around 19% since 2019, The Washington Post <a href="https://www.washingtonpost.com/business/interactive/2024/rent-average-by-county-change-rising-falling/" target="_blank" rel="noopener">reported</a>, making it harder for young Americans to save money for the increasing costs of owning a home.
While inflation dropped to 2.9% last month, it is still <a href="https://www.usinflationcalculator.com/inflation/current-inflation-rates/" target="_blank" rel="noopener">higher</a> than it was during most of Trump&#8217;s presidency. The inflation rate hit a staggering 9.1% in June 2022 before it began to drop.
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Vance said a priority of the Trump-Vance administration would be to lower energy costs, which he argued would, in turn, bring down the cost of housing. Trump made similar comments in July when addressing the housing crisis.
&#8220;When the economy gets better, it&#8217;s hard to get better when you have high energy prices,&#8221; Trump <a href="https://www.newsweek.com/how-donald-trump-plans-fix-housing-market-1811663" target="_blank" rel="noopener">told</a> a crowd of supporters in Iowa. &#8220;We&#8217;ll get the prices way down and then the interest rates down and then the home builders will start building again, because nobody can get money from the bank because the interest rate&#8217;s high.&#8221;
The Republican vice presidential candidate and Ohio senator also <a href="https://www.dailywire.com/news/vance-predicts-key-battleground-state-will-become-part-of-red-wall-because-people-are-sick-of-losing-their-livelihoods" target="_blank" rel="noopener">blasted</a> Michigan&#8217;s &#8220;failed leadership,&#8221; saying it has resulted in thousands of jobs disappearing in the Great Lakes State. He predicted the loss of jobs in Michigan would result in voters overwhelmingly turning out in support of Republicans in November.
&#8220;Michigan, people used to call it a blue wall state,&#8221; he said. &#8220;I think Michigan is a red wall state now because people are sick of losing their livelihoods and losing their jobs.&#8221;

Vance: Young Americans ‘Are Becoming Paupers’ Due To Inflation, High Housing Costs

Vance: Young Americans 'Are Becoming Paupers' Due To Inflation

Inflation

Joe Biden

Michigan

The Biden-Harris administration recently <a href="https://www.whitehouse.gov/briefing-room/statements-releases/2024/07/16/fact-sheet-president-biden-announces-major-new-actions-to-lower-housing-costs-by-limiting-rent-increases-and-building-more-homes/" target="_blank" rel="noopener">proposed</a> capping rent price increases at 5%. The cap would apply to any landlord that owns more than 50 units, which equates to 20 million rental units nationwide, or <a href="https://www.nytimes.com/2024/07/19/business/economy/biden-rent-cap-proposal.html" target="_blank" rel="noopener">roughly 50%</a> of the nation’s total units. I suspect that all Americans agree with the goal of keeping essentials like food, housing, and healthcare affordable. Unfortunately, the proposed price controls – rooted in bad economic assumptions and perhaps some technophobia – are likely to do the opposite.
A third of American households rent, roughly half of which devote <a href="https://www.huduser.gov/portal/pdredge/pdr_edge_featd_article_092214.html" target="_blank" rel="noopener">over 30%</a> of their income to this monthly bill. These renters are frustrated. Rent <a href="https://fred.stlouisfed.org/series/CUUR0000SEHA#0" target="_blank" rel="noopener">inflation</a> is 80% higher under Biden-Harris than in the Trump years. And it’s <a href="https://www.usatoday.com/story/news/politics/elections/2024/05/21/rents-prices-swing-states-voters-disenchanted/72794026007/" target="_blank" rel="noopener">worse</a> in the swing states, where rents have more than doubled over the past four years.
The administration seems to believe its rent cap will counterbalance what it describes as excessive landlord <a href="https://www.whitehouse.gov/briefing-room/statements-releases/2024/07/16/fact-sheet-president-biden-announces-major-new-actions-to-lower-housing-costs-by-limiting-rent-increases-and-building-more-homes/" target="_blank" rel="noopener">profits</a>, which it contends have come in part from their increasing use <a href="https://www.justice.gov/d9/2023-11/418053.pdf" target="_blank" rel="noopener">of</a> <a href="https://www.ftc.gov/business-guidance/blog/2024/03/price-fixing-algorithm-still-price-fixing" target="_blank" rel="noopener">algorithms</a> i.e., computer programs that suggest rental prices based on supply and demand estimates. 
 
The excess profit accusation is simply wrong. In an attempt to corroborate its <a href="https://www.whitehouse.gov/briefing-room/statements-releases/2024/07/16/fact-sheet-president-biden-announces-major-new-actions-to-lower-housing-costs-by-limiting-rent-increases-and-building-more-homes/" target="_blank" rel="noopener">claim</a>, the White House <a href="https://accountable.us/wp-content/uploads/2024/06/2024-06-10-Research-on-Q1-2024-Housing-Profiteering-FINAL.docx.pdf" target="_blank" rel="noopener">cited</a> Mid-America Apartment Communities and AvalonBay Communities for their respective 6% and 18% increases in profits during the first quarter of 2024. However, the White House <a href="https://www.macrotrends.net/stocks/charts/MAA/mid-america-apartment-communities/net-income" target="_blank" rel="noopener">conveniently</a> <a href="https://www.macrotrends.net/stocks/charts/AVB/avalonbay-communities/net-income" target="_blank" rel="noopener">ignored</a> these companies’ respective 15.5% and 18.3% profit declines in 2023.
The administration’s stoking fears about algorithmic pricing, including through initiating Department of Justice and Federal Trade Commission investigations, is also misplaced.
Today, across most industries, algorithms — powered by machine learning and artificial intelligence — are analyzing large swaths of data to formulate business-guiding insights. Even governments have gotten into the act by using algorithms for numerous purposes, including pricing services. While information generated by these algorithms may sometimes indicate to users that prices can increase, they may also signal that prices should decrease.
Better information on consumers and costs improves price efficiency, and that benefits everyone. Indeed, PricewaterhouseCoopers projects that AI will give North America a <a href="https://www.pwc.com/gx/en/issues/data-and-analytics/publications/artificial-intelligence-study.html" target="_blank" rel="noopener">nearly 15%</a> economic growth boost by 2030 in part due to the improved price efficiency generated by AI.
The housing market has a supply problem, not a price-gouging or technology problem.
Since 2012, the U.S. has <a href="https://www.realtor.com/research/us-housing-supply-gap-feb-2024/" target="_blank" rel="noopener">created</a> about four million fewer housing units than new households, which led to shortages that drove up prices. Prices will subside when housing supply responds.
Austin, TX, serves as an instructive example. In the last three months of 2023, builders <a href="https://realestate.usnews.com/real-estate/housing-market-index/articles/austin-housing-market-forecast#:~:text=In%20the%20last%20three%20months,of%2034%25%20year%20over%20year." target="_blank" rel="noopener">pulled</a> 3,890 single-family building permits (a 25% increase from the same period in 2022) and 5,866 multifamily permits (a 34% increase). Between May 2023 and 2024, prices fell by <a href="https://www.kut.org/austin/2024-06-13/austin-texas-rent-prices-falling-2024" target="_blank" rel="noopener">6%</a>.
Rather than craft rent control policies around assumptions of bad behavior and purported negative effects of algorithms, which the government itself uses and <a href="https://www.uspsoig.gov/sites/default/files/reports/2023-01/CP-AR-19-003.pdf" target="_blank" rel="noopener">hopes</a> to use more, the Biden-Harris administration should address America’s housing problems from the supply-side perspective. The White House’s choice to instead impose new government <a href="https://www.whitehouse.gov/briefing-room/statements-releases/2024/07/16/fact-sheet-president-biden-announces-major-new-actions-to-lower-housing-costs-by-limiting-rent-increases-and-building-more-homes/" target="_blank" rel="noopener">controls</a> on rents will only decrease housing construction.
Builders are already constructing more high-end units than affordable housing units. That is why, <a href="https://www.jchs.harvard.edu/blog/six-takeaways-americas-rental-housing-2024" target="_blank" rel="noopener">since</a> 2012, the number of units renting for less than $1,000 per month in the U.S. has declined by 6.1 million units while the number of units renting for at least $1,400 grew by 8.4 million units. If the Biden-Harris administration’s rent price cap becomes law, this disparity will grow larger. Builders will have even less incentive to develop new affordable housing options at the new, mandatory discount rate.
The lesson is clear: Market incentives alleviate price and availability problems. More government does not. Hopefully, the Biden-Harris administration comes to the realization sooner rather than later.
* * *
Dr. Mark A Jamison is a nonresident senior fellow at the American Enterprise Institute, where he works on how technology affects the economy. He is also the Director of the Digital Markets Initiative (DMI) at the University of Florida, where he focuses on competition policy and regulation of information technologies, institutional development in regulation, and competition and innovation in the information sectors.
The views expressed in this piece are those of the author and do not necessarily represent those of the Daily Wire.

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