One might think that the decrease in real estate values the nation has experienced in recent years would lessen the need to focus on affordable housing. Yet, in spite of decreased prices of homes, housing affordability remains a major concern. For those trying to buy a home, more stringent lending standards and higher down payment requirements are making it difficult for moderate-income families to become homeowners. And a greater demand for rental housing has made rents unaffordable for many lower-income and working families. 

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