(PCC)The forgotten family will finally be remembered! For far too long, Washington has stood in the way of the American dream of homeownership. Government red tape, bureaucracy, and politically motivated control have throttled housing supply, inflated prices, and boxed out the very people who keep this country running.

The solution isn’t more government programs; it’s less government control. That starts by freeing Fannie Mae and Freddie Mac.

The government was responsible for putting Fannie Mae and Freddie Mac in the difficult situation that resulted in their conservatorship. FDIC government-guaranteed banks needed higher returns because the rate the federal government charged them was significantly raised, meaning the banks needed high yields, and Wall Street added risky mortgages, including subprime loans, to portfolios to produce the high yields demanded by banks and other government-controlled institutions.

Then the value of mortgage-backed securities plummeted, leading to massive losses for Fannie and Freddie.

After sixteen years of government stagnation, Americans are still waiting in line for their homes. Fannie Mae and Freddie Mac, the bedrock institutions of American mortgage financing, were placed under federal conservatorship in 2008 during the financial crisis. Tens of billions of dollars evaporated after sixteen years of temporary conservatorship.

What this means is that teenagers grew up in apartment complexes and temporary housing and lived with grandparents all the while they could have called a warm and comfortable house a home. They could have lived with Mom and Dad as the family-built equity and paid off their home!

These institutions have long since recovered. Their balance sheets are strong. They’re more capitalized than ever, having over $160 billion in capital, triple what they had before the crash. Their leadership is professional, and their operations are sound. There is no rational reason for the federal government to continue holding them hostage, other than to exploit them for political gain and fodder for political hacks during election time.

The cost of inaction is staggering! Keeping Fannie and Freddie in conservatorship is not without consequences. It’s a hidden tax on every American homebuyer. Uncertainty in the mortgage market leads to higher rates, diminished investor confidence, and sluggish homebuilding. Meanwhile, bureaucrats and special interests thrive in the status quo, while working Americans suffer from being technically homeless while living in a no-equity house owned by an enriched landlord.

Home prices skyrocket. Rents explode. And working families, firefighters, nurses, teachers, and carpenters find themselves priced out of their communities or trapped in endless commutes. This scenario is not the American Dream. It’s a government-induced nightmare.

A Trump opportunity is forming and unlocking the American Dream once again. Releasing Fannie and Freddie back to the private sector would return over $250 billion to taxpayers, which is the single biggest return on investment in U.S. history since the Louisiana Purchase. And with that return, we can seed a middle-class housing revival.

How? By launching a loan program, not another bloated government handout. These low-interest loans would incentivize construction of over 2.1 million homes—homes for the forgotten man, family, and working middle class. And because these are loans, not grants, they can simultaneously help reduce the federal deficit. It’s a win-win.

Housing built by and for American families is part of the American dream, and soon it must be restored. Remember, this isn’t about government picking winners and losers. It’s about clearing the runway so American builders can do what they do best. Whether it’s single-family homes, townhouses, or affordable apartments, families need more supply across the board.

When the rebirth of Fannie Mae and Freddie Mac has become a reality, it will not just be about building houses but building jobs, communities, and futures.

Why hasn’t the ‘Big Housing Boom’ boomed? Government micromanagement poisons free enterprise, while unleashing pure American enterprise is the antidote!

Washington dictating housing policy is like a blind man trying to read a book on how to restore his sight!

What America needs is leadership that trusts the market to innovate, build, and serve the people. That means

• Ending the endless conservatorship of Fannie Mae and Freddie Mac.
• Allowing these institutions to function as public utility-like companies with reasonable investor returns, responsible oversight, and no incentive for reckless risk-taking.
• Launching a national middle-class housing initiative, supported by low-cost loans, not endless subsidies.
• Empowering local builders to meet local needs and be free from federal overreach.

President Trump has long championed common-sense reform. Now is the time to act. No need for new laws. No need for Congress. The Treasury Department and the Federal Housing Finance Agency already have the authority. All it takes is the will to lead.

The housing crisis affects Americans in every state, red and blue alike. Releasing Fannie and Freddie is not just good policy; it’s the right thing to do.

Final Word: The forgotten family must not be forgotten any longer; they shall live in the dignity they have long deserved! But first, we must evict the government.