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President Biden highlighted plans to help Americans with housing affordability challenges like high rents and mortgage rates in his State of the Union address. He called on Congress to pass a tax credit of $400/month for two years for first-time homebuyers to reduce their mortgage rates by over 1.5 percentage points. Biden also wants to build and renovate over 2 million affordable homes through legislation to increase the housing supply and bring down sky-high rents. A White House \
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