James Adair

Big housing bill headlines are everywhere. Here’s the simple version. ✅

Congress passed the 21st Century ROAD to Housing Act in the House on May 20, 2026. Before it changes anything, it still has to clear the final steps and then get implemented.

What it does not do:
🚫 It does not lower rates, drop prices, or instantly add a bunch of homes to the market.

What buyers should watch instead:
1. FHA updates for manufactured homes
2. A path that can help fund ADU projects
3. Possible changes that could make mortgages under $100K easier to get over time

If you’re buying this summer, your biggest drivers are still your credit, down payment plan, debt-to-income, and when you lock.

Memorial Day weekend is about remembering those who never made it home.

And for the veterans who did, we want you to know this: Your VA benefit deserves to be used with clarity, not confusion.

One reason some VA buyers hesitate is the fear of appraisal “repair surprises.”

The good news:
VA appraisals ordered on/after May 1, 2026, have been simplified in a few meaningful ways, which may reduce some of the last-minute friction that used to show up on certain homes.

That doesn’t mean VA is lowering standards.

It means the process can be more practical, while still protecting buyers.

If you’re VA-eligible and buying in 2026 (or you happen to be hanging out with one this weekend)... then send us a message and share this post with them.

Have a safe and happy Memorial Day Weekend!