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Arturo on the Issues

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Housing and Gentrification

“Changes to our neighborhoods and communities can be a good thing. Displacing families from their historic neighborhoods is a bad thing. Only by mandating responsible development can we solve the problem.”
– Arturo Carmona

Every family and individual has a dream of having a home to call their own. This dream is being severely threatened for large parts of our communities by out-of-control housing costs. Today, many families and individuals are unable to afford renting a home, much less buying one. This is displacing working families from their historic neighborhoods.

To add to the stress, a large portion of working people have yet to recover from the housing crisis and recession of 2008. Although our financial institutions were bailed out and protected, the average American family was left behind.

To help address the serious and rapidly growing housing needs of our communities, we must do the following:

  1. Undergo an Affordable Housing Revolution
    Ensure that all levels of government commit to mandating more development of affordable housing by developers. It is unacceptable that our elected officials allow developers to build new neighborhoods or gentrify our existing neighborhoods with high-priced homes and condo units that the average family cannot afford.
  2. Expand Access
    We must support and expand existing first-time home-buyer programs that are operated through the United States Department of Housing and Urban Development (HUD) and the Department of Agriculture’s Rural Development program.
  3. Protect Consumers
    We must protect the Consumer Financial Protection Bureau (CFPB) from being dismantled by the current administration and Congress. The CFPB has ensured that mortgage lenders disclose in clear language all potential costs to borrowers. Protecting the rights of consumers is crucial to increasing home ownership.
  4. Protect Working- and Middle-Class Families
    For many working and middle class families, the mortgage interest tax deduction is key to affording their homes. It is unacceptable that the current Republican leadership in Washington, D.C., is willing to provide extensive tax cuts for the 1% while considering removing the mortgage interest tax deduction. We must protect this vital tool in promoting home ownership.

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