On top of decimating HUD, Project 2025 is proposing to kill the 30-year mortgage and raise the cost of home ownership.
First, they want to increase the cost of mortgage insurance, which is a fee people pay when they have less than a 20% down payment. They will do this to 25- and 30-year terms (and above), which offer the most affordable monthly payments.
This will raise the cost of home ownership in two ways: higher monthly payments (due to shorter terms), and higher monthly payments (due to higher fees for anyone who doesn't have 20% down).
FHA leadership should increase the mortgage insurance premium (MIP) for all products above 20-year terms and maintain MIP for all products below 20-year terms and all refinances. FHA should encourage wealth-building homeownership opportunities, which can be accomplished best through shorter-duration mortgages.




































![A set of bar graphs depicting the effects of overtime on a worker's paycheck. At the top, a snippet from Project 2025 reads: "Attention: Republican Agenda. Specifically, employers...should be able to set a two or four week period over which to calculate overtime. This...would not require the employer to pay [employees] more for that same total number of hours of work during the entire period."
Underneath on the left is a set of green bars depicting Week 1, Week 2, Week 3, and Week 4.
In Week One, there is a darker shaded section pointing out that the worker has worked more than 40 hours and is eligible for overtime.
Week 2 is a little less than 40 hours, and the last two weeks are normal (40 hours).
At the bottom of this set of bars, a summary reads: "You're paid overtime for EVERY week over time, regardless of other weeks."
On the right, a set of red bar graphs depicting Week 1 through 4. In Week 1, the employee has clearly worked more than 40 hours based on the long bar, but there is no overtime shading.
Week 2 is less than 40, and Week 3 and 4 are both 40.
At the bottom of this set of bars, a summary reads: "Your employer will AVERAGE weeks together...and you won't get paid."
A Republican win in November means: Same hours. No overtime.
Learn more at Project 2025 Truth dot com](http://images.ctfassets.net/ud0fpafebkep/dfWezS2sNCp0RckQO0Qto/ac92619956f0630189e675554b35d053/image-8.png)











