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FEDERAL RULE WILL SUBJECT HOME BUYERS WITH GOOD CREDIT SCORES TO HIGHER MORTGAGE FEES, WHILE RISKIER BUYERS WILL GET MORE FAVORABLE MORTGAGE TERMS THIS IS PART OF AN EFFORT TO TRY AND GET MORE FIRST TIME AND LOW INCOME BUYERS INTO THE WORLD OF HOME OWNERSHIP JOINING US TO TALK MORE ABOUT HOW THIS COULD PLAY OUT IS JOHN HOPE BRYANT, HES THE FOUNDER AND CEO OF OPERATION HOPE. HES ALSO THE FOUNDER OF PROMISE HOMES. AND FORMER FHA COMMISSIONER DAVID STEVENS IS THE CEO OF MOUNTAIN LAKE CONSULTING HE ALSO PREVIOUSLY SERVED AS THE PRESIDENT AND CEO OF THE MORTGAGE BANKERS ASSOCIATION AND GENTLEMEN, WELCOME TO BOTH OF YOU DAVE, WHY DONT WE START OUT TALKING ABOUT WHAT THIS RULE IS, HOW IT PLAYS OUT, AND WHAT IT WILL MEAN FOR THE AVERAGE HOME BUYER. WELL, LOOK, WITH ALL THE BEST INTENTIONS, THE DIRECTOR OF THE REGULATOR FOR FANNIE MAE AND FREDDIE MAC, THE FHFA HAS BEEN PUSHING BOTH FANNIE AND FREDDIE TO DO BETTER IN PROVIDING AFFORDABLE MORTGAGE PRODUCTS FOR FIRST-TIME HOME BUY