21st Century ROAD to Housing Act: What It Means for Colorado Home Buyers, Sellers, and Homeowners

First-Time Buyers Veterans Investors Manufactured Housing FHA Mortgages Colorado Front Range New Construction Housing Supply

The housing industry may be on the verge of one of its biggest transformations in nearly twenty years. Congress recently passed the 21st Century ROAD to Housing Act — a sweeping housing package designed to address affordability, increase housing supply, expand financing opportunities, and create more pathways to homeownership.

As a Colorado REALTOR® who has helped buyers, sellers, investors, veterans, and first-time homebuyers navigate changing markets for more than two decades, I’ve been closely watching this legislation because it could significantly impact the future of housing across Colorado.

“Will this actually make housing more affordable? The answer is complicated — but there are several provisions that could genuinely help.”

Brian Lee Burke, The Kenna Real Estate Group ~20 yrs Most significant housing package in nearly two decades Millions Estimated national housing unit shortage $100K Threshold for new FHA small-dollar mortgage pilot

What Is the 21st Century ROAD to Housing Act?

The 21st Century ROAD to Housing Act is a large federal housing package that combines dozens of housing-related proposals into one bill. According to housing industry estimates, the United States faces a shortage of millions of homes — and this legislation attempts to address that shortage from multiple angles.

• Increase housing supply across the country
• Improve long-term affordability
• Expand homeownership opportunities for more Americans
• Provide targeted support for veterans
• Encourage residential development and new construction
• Modernize housing finance systems
• Support manufactured and modular housing
• Preserve and renovate aging housing stock

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How Could This Affect Colorado Home Buyers?

For buyers, the most important part of the legislation is the focus on increasing housing inventory. When there are more homes available, competition decreases, multiple-offer situations become less common, buyers gain negotiating power, and price appreciation tends to slow — all of which improve affordability.

In Colorado markets such as Highlands Ranch, Castle Rock, Parker, Fort Collins, Loveland, Greeley, Longmont, Erie, and Colorado Springs, inventory shortages have been a major challenge. Anything that meaningfully increases housing supply could eventually benefit buyers throughout the Front Range.

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Will Home Prices Go Down?

Probably not immediately. The legislation is designed to increase future housing supply — not create instant inventory. Most housing experts expect slower price growth, increased inventory over time, more balanced markets, and improved affordability — but a sudden drop in home values is unlikely simply because a housing bill was passed.

How Does This Help First-Time Home Buyers?

Several provisions focus specifically on entry-level housing, including increased affordable housing construction, expanded financing opportunities, more small-dollar mortgage options, and additional pathways to homeownership. One notable provision creates a pilot program for FHA mortgages under $100,000, helping buyers in smaller communities where lower-priced homes still exist.

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What Are FHA Small-Dollar Mortgages?

Many lenders avoid very small mortgage loans because the compliance and processing costs are almost the same as larger loans.

The legislation seeks to encourage more lending in this area.

Potential benefits include:

• Increased financing availability
• Better access to affordable homes

• More opportunities for first-time buyers

• Greater access in rural communities

What Does This Mean for Veterans?

Veterans may see expanded benefits through improved VA loan disclosures, better education regarding financing options, housing assistance programs for disabled veterans, and increased awareness of existing VA loan benefits. As Colorado has a large military population — including communities near Fort Carson, Peterson Space Force Base, and Schriever — these provisions could benefit many local families.

Resources for Veterans

VA Loan Guide Colorado Military Relocation Services Colorado Springs VA Homes Veteran Home Buyer Guide

What About Manufactured Homes?

Manufactured housing is receiving significant attention in this legislation, with sections focused on modernizing regulations, expanding financing options, and encouraging modular construction. Manufactured housing has become one of the most affordable paths to homeownership in many Colorado communities — if financing becomes easier, demand could increase substantially.

Could This Help Colorado’s Housing Shortage?

Possibly. The legislation includes programs encouraging faster permitting, reduced development delays, streamlined reviews, housing planning grants, and zoning reform guidance. Colorado communities facing rapid population growth — particularly along the I-25 corridor — may benefit from these provisions.

What Does This Mean for Home Sellers?

Many sellers worry that increased inventory could hurt property values. That is generally not the intention of the legislation. Instead, policymakers are attempting to stabilize housing costs, reduce extreme shortages, and create healthier markets. A balanced market is usually more sustainable than one with severe inventory shortages.

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Will This Create More New Construction?

Potentially yes. Several sections of the legislation specifically support new housing construction, affordable housing development, infrastructure improvements, streamlined environmental reviews, and local planning initiatives. Builders may ultimately have more tools and incentives to bring housing projects online — which is exactly what Colorado’s growing communities need.

How Long Before We See Results?

Many provisions require federal agencies to develop regulations, create programs, launch pilot projects, issue grants, and establish implementation guidelines. That means some impacts could take years to fully materialize. Housing policy often moves much slower than housing headlines.

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Questions People Are Asking About This Legislation

Is the 21st Century ROAD to Housing Act good for buyers? Potentially yes. The legislation focuses heavily on increasing housing supply and improving affordability, which typically benefits buyers over time through more inventory and less intense competition. Will mortgage rates go down because of this bill? Not directly. Mortgage rates are primarily influenced by bond markets, inflation expectations, and Federal Reserve policy — not housing supply legislation. Will this make houses cheaper? Not necessarily cheaper in the short term, but it could help slow future price increases by expanding the supply of homes available to buyers. Does this help first-time buyers specifically? Yes. Several provisions specifically target entry-level housing and homeownership access, including the FHA small-dollar mortgage pilot program and expanded financing pathways. Does it help veterans? Yes. The legislation includes multiple veteran-focused housing initiatives, improved VA loan disclosures, and housing assistance programs for disabled veterans. Does it help manufactured housing? Yes. Manufactured and modular housing are major components of the legislation, with new regulations and expanded financing options that could increase access to this affordable housing type. Could this increase housing inventory? That is one of the primary goals of the entire bill. Is this the biggest housing bill in years? Many housing organizations are describing it as one of the most significant housing packages in nearly two decades, touching nearly every aspect of housing supply, finance, and affordability policy.

Brian Burke’s Take

As someone who has worked through multiple housing cycles in Colorado, I believe the biggest challenge facing housing affordability is supply. We simply need more homes.

No single piece of legislation will solve affordability overnight, but policies that encourage home construction, streamline approvals, expand financing options, and support first-time buyers are generally steps in the right direction. The real test will be implementation.

Brian Lee Burke, E-PRO®, REALTOR® Broker

Owner & Founder, Kenna Real Estate · “The Hardworking Man in Real Estate”

Licensed since 2002, Brian has spent more than two decades helping hundreds of buyers, sellers, investors, and relocating families navigate the Colorado real estate market. His expertise extends beyond traditional brokerage into pricing strategy, negotiations, construction, appraisal, and mortgage-related considerations — allowing him to guide clients through even the most complex transactions with confidence. Brian believes every client deserves honest advice, exceptional service, and an advocate who puts their goals first.

REALTOR® E-PRO® Licensed Since 2002 Construction Expertise Veteran Specialist

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Whether you’re a first-time buyer, veteran, investor, downsizer, or homeowner considering a move, The Kenna Real Estate Group can help you understand how these changes may affect your specific situation. Contact Brian Burke and The Kenna Real Estate Group today for expert guidance throughout the Colorado Front Range.

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There are many individuals one can select from in the housing industry. I am sure many of them are wonderful, qualified individuals. However, we believe few can match the dedication, hard work, HUGE attention to detail, and customer satisfaction that Brian Burke can provide. We had narrowed down the search to approximately 31 homes — Brian showed them all to us in one day. The next day we narrowed to two, and the following day we made an offer on a new Model Home and it was accepted. But Brian didn’t stop there. He arranged inspection, coordinated financial paperwork, gave us helpful hints on storage, window covering stores, and hand delivered entry papers so our two sons could attend school when we arrived. I would STRONGLY recommend Brian Burke to ANYONE that desires supreme and highly professional, detailed service. He truly cares about what he does and LISTENS to each client’s situation in the highest regard. We feel very fortunate to have worked with Brian Burke to find our new home.

JG Joseph & Karen G. Buyer in Castle Rock · Relocated from California Long-Term Client ★★★★★

In a market crawling with realtors, it’s important to find one that is honest, dedicated, and invested in your interests and well being. We found that in Brian Burke of Kenna Realty! Brian’s 17+ years of experience in real estate as well as his expertise in construction put our mind at ease with our investment. He is never too busy to make you a priority! Hiring him before any other Realtor in Colorado will be the best decision you’ll make.

LL Lea Anne Luckner Buyer & Seller · Highlands Ranch Buyer & Seller ★★★★★

Paul and I wish to thank you again for all you do — we couldn’t have made this move from New Jersey to Castle Rock CO without your expertise, your kindness, your willingness to jump in and help us out with different issues. The best part is you’re still willing to allow us to call you with questions. God Blessed us with a fantastic Realtor and friend. Thank you.

DM Denise & Paul Moran Relocated from New Jersey to Castle Rock ★★★★★

I have been involved with real estate for many years and have met many agents. But no one holds a candle to Brian Burke. His friendliness, enthusiasm, and positive good nature is above anyone I have ever met in this business. I trust him and his exceptional team with relocating my entire company of over 100 employees from all over the world. If you happen to find him, consider yourself lucky.

AC Alex Cruz Buyer & Seller · Denver & Castle Rock Repeat Client ★★★★★

Allison Lobato and her team at Kenna Real Estate were a Godsend for me! When I began the daunting task of trying to bring my father’s home up to standard and sell it — all from OUT OF STATE — every step of the way Allison explained the process and contacted people from her team of trusted professionals to make sure everything was completed smoothly. She did an outstanding job walking us through one of the biggest transitions of our lives.

EC Earl Coley Out-of-State Seller · Kenna Real Estate ★★★★★

Plain and simple, Brian Burke is an absolute Stud. My wife and I wanted to see a house a day before our apartment lease expired. I couldn’t find a Realtor to pick up the phone. I called Brian — his truck was getting service work done — but he got an appointment set up in one hour and showed up in a loaner car. That was impressive, but even more is his knowledge of home building and work ethic. You’ll never find anyone who will work harder for you than Brian.

SJ Shawn Janusheske 3-Time Buyer & Seller 3× Client ★★★★★

We found Allison and Kenna Real Estate through a Google search and couldn’t be happier! Allison helped guide us through the extremely difficult Denver real estate market and made it easy for us even though we are buying from 1,200 miles away. She was willing to take us on FaceTime house tours with very short notice. If we ever decide to sell and buy again in the Denver market, Allison will be our first call.

CR Remote Buyer Buyer in Castle Rock · 1,200 Miles Away ★★★★★

I was so impressed when Brian found a property for me in the fast moving and crazy 2018 Denver market! The added challenge of representing an out-of-town buyer did not matter. His extensive local knowledge and eye for detail when looking at properties made the myriad of decisions much easier for me. He is very pleasant to work with, and he is my property manager now too. Thanks Brian!!

CP Carol P. Buyer in Arvada Out-of-Town Buyer ★★★★★

We hired Brian in November of 2007 to help us find our first home. On our first day of looking at houses, Brian brought one he thought we would like based on his conversations with us. When we walked in the door, we knew it was the one. Brian was there throughout the entire process, bringing his background in construction to help us understand the inspection process and ask the right questions. I had always envisioned the home buying process to be chaotic and painful, but Brian and Rita made it smooth and painless. My wife and I now refer Brian to anyone we know beginning the homebuying process. They are knowledgeable, personable, and caring — and go the extra mile for their clients. My wife and I highly recommend Brian Burke.

JB J. Bock Buyer in Castle Rock Long-Term Client

Related Resources

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