Lobbies For You

Every day, we're on Capitol Hill and in federal agencies fighting for the mortgage professionals who power America's housing market.

Your Voice, Our Mission

As a mortgage broker, you navigate complex regulations, shifting market conditions, and evolving compliance requirements. You're focused on closing loans and serving clients. That's where NAMB comes in.

The National Association of Mortgage Brokers represents the interests of independent mortgage professionals before Congress, federal regulators, and key decision-makers. We're not just sitting at the table—we're actively shaping housing policy and regulatory decisions that directly impact your business.

Whether it's advocating for sensible regulatory relief, protecting access to credit, or ensuring fair treatment in the marketplace, NAMB's legislative team works year-round so you can focus on what you do best.

NAMB's Government Affairs Team

Marvin Hudson, CMC, Government Affairs Chair

Marvin Hudson, CMC, Government Affairs Chair

Lauren Patterson, CRMS, Government Affairs Vice-Chair

Lauren Patterson, CRMS, Government Affairs Vice-Chair

NAMB's Lobby Firm

NAMB's Lobby Firm

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What We Fight For

Regulatory Reform & Relief


We challenge overregulation that burdened independent brokers without improving consumer outcomes. From trigger lead restrictions to QM definitional issues, NAMB pushes back against rules that limit your ability to serve borrowers effectively.

Market Access & Competition


We defend your competitive position against regulatory changes that favor large banks and non-bank lenders. A thriving independent broker channel means more choice and better service for American consumers.

Professional Standards


We advocate for licensing and certification standards that protect consumers and elevate the profession—without creating unnecessary barriers to entry for qualified professionals.

Consumer Protection


We support common-sense consumer protection measures that work in tandem with market competition, not against it. Better consumers means better long-term outcomes for everyone in the industry.

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2026 Legislative Priorities & Regulatory Initiatives

Legislative


Stay ahead and make an impact —

NAMB's legislative talking points arm you with the insights you need to advocate for the mortgage industry & empower homeowners nationwide!

Download NAMB's 2026 Legislative Priorities
Regulatory


Championing fair practices & industry growth, NAMB's regulatory initiatives ensure a stronger, more transparent future for mortgage professionals & their clients!

Download NAMB's 2026 Regulatory Priorities

Solving America's Housing Affordability Crisis

America faces an unprecedented housing affordability crisis that threatens the foundation of the American Dream. Rising home prices, escalating interest rates, restrictive lending requirements, and inadequate housing supply have created perfect-storm conditions that lock millions of families out of homeownership.

The National Association of Mortgage Brokers has authored a white paper, "Solving America's Housing Affordability Crisis - A Comprehensive Framework for Expanding Homeownership Opportunities", which presents a comprehensive framework for addressing the affordability crisis by integrating recent federal legislative initiatives with NAMB's 2026 regulatory and legislative priorities.

Together, these solutions offer a pathway to:

• Expand housing supply through regulatory modernization and increased construction incentives

• Reduce artificial barriers to homeownership for creditworthy borrowers

• Lower transaction costs through credit reporting reform and LLPA reduction

• Increase access to affordable financing for first-time and moderate-income buyers

• Strengthen the mortgage broker channel as an essential access point for underserved communities

Fighting for Smarter Appraisals

NAMB is at the table shaping the future of property valuation on your behalf.


On May 29, 2026, NAMB joined seven other national housing-finance organizations — including the Mortgage Bankers Association, the American Bankers Association, the Independent Community Bankers of America, and the Broker Action Coalition — in a joint trade letter to FHFA Director William Pulte, urging the agency to act on President Trump's March 13, 2026 Executive Order, Promoting Access to Mortgage Credit.

The coalition is pressing FHFA and the GSEs to modernize appraisals in ways that lower cost and shorten turn times for your borrowers without compromising reliability.


Among the key requests:

  • Expand hybrid and alternative valuations, including a secure, fraud-protected protocol that lets borrowers, agents, and loan officers submit authenticated interior and exterior property photos — the same approach that proved successful during COVID-19.
  • Raise the value acceptance (appraisal waiver) cap from $1 million to $2 million and review it annually alongside GSE loan limits, which have climbed to $1,249,125 in high-cost areas while the waiver cap has not moved since 2016.
  • Give appraisers limited, appropriate access to GSE market data to improve accuracy, speed, and the borrower experience.


Read the letter for yourself. See exactly what NAMB and our coalition partners are asking FHFA to do to make appraisal modernization a reality. 

What It Means for You Right Now


Appraisal modernization isn't just on the horizon — it's already arriving. Fannie Mae and Freddie Mac are replacing every legacy appraisal form with a single, dynamic Uniform Residential Appraisal Report under UAD 3.6, the biggest appraisal change in more than 15 years. The new format becomes mandatory on November 2, 2026 for conventional loans sold to the GSEs. It changes how appraisal data is collected, structured, and reported — not how a home's value is determined.


NAMB has built a complete originator's playbook, plus a ready-to-share guide for your real estate partners, so you can be ready before the mandate.