Democrats are putting low and moderate homebuyers at risk by only requiring homebuying counselors to be certified and not licensed. You would not want to take stock market advice from a certified stock broker. You can mot buy a home with a certified real estate agent. Democrats have used the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) to place low and moderate homebuyers at financial risk. In addition, Congress' funding of down payment assistance programs is causing an unearned rise in housing prices. So, Mr. HUD, it's time to make homebuying more affordable!