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The ROAD to Housing Act, officially the Renewing Opportunity in the American Dream to Housing Act of 2025, cleared the Senate on Oct. 9 as part of the National Defense Authorization Act. The bill, first approved unanimously by the Senate Banking, Housing and Urban Affairs Committee in July, now moves to the House.
Key provisions highlighted by the National Association of REALTORS® include:
- **Housing supply**: Eases zoning hurdles, speeds environmental reviews, and offers grants for higher‑density construction.
- **Homeownership**: Lowers mortgage barriers, streamlines appraisals, supports savings plans, and informs veterans of loan benefits.
- **Innovation**: Revises rules for manufactured and modular homes and promotes cost‑saving building technologies.
- **Disaster recovery**: Permanently funds resilient rebuilding efforts to reduce repeat losses and keep communities insurable.
“NAR applauds the Senate for this bipartisan effort that tackles supply, affordability, and ownership pathways. As homeownership feels increasingly out of reach, the Act delivers practical solutions for millions,” said Shannon McGahn, NAR’s EVP and chief advocacy officer. “We thank Sen. Tim Scott and Sen. Elizabeth Warren for their leadership and look forward to working with Congress and the administration to enact this vital legislation and preserve the American dream for future generations.”
With the NDAA’s Senate passage, the ROAD to Housing Act will now be considered in the House’s NDAA version.
