NAR President Steve Brown called on policy makers to focus on barriers to credit that can make buying a home difficult for the middle class at the Bipartisan Policy Center's 2014 Housing Summitin Washington. During a Sept. 16 panel session, Brown discussed the impact of the new ability-to-repay rules on the lending environment and described how restrictive pricing policies at the FHA and the Federal Housing Finance Agency can make homeownership prohibitively expensive for some first-time and traditionally underserved buyers relative to prime offer rates. Video clip.