A proposed rule that would lower Fannie Mae and Freddie Mac’s affordable housing goals could make it harder for first-time homebuyers to get a mortgage, advocates at the nonprofit Consumer Federation of America (CFA) warned. The Federal Housing Finance Agency (FHFA) usually updates the housing goals for the two mortgage financing giants every three years, and it last went through this process in 2024. However, Trump-appointee Bill Pulte, the new FHFA director, pushed forward a proposal earlier