Video & Transcript : 'homeowner financing' :

Page 73 of 500
FL

Florida 2026 Regular Session

Appropriations Committee on Transportation, Tourism, and Economic Development Jan 14th, 2026

Appropriations Committee on Transportation, Tourism, and Economic Development

Transcript Highlights:
  • partners in Select Florida, Visit Florida, Space Florida, CareerSource Florida, and the Florida Housing Finance
  • So this is really to get ahead of that, and this gives Space Florida the ability to have a financing
  • And $6 million of that additional increase is restoring Space Florida's financing tool, which I will
  • A failure to invest in that $3 million would cause homeowners' insurance policies for National Flood
  • A failure to invest in that $3 million would cause homeowners insurance policies for national flood insurance
Bills: S0048
Summary: The Appropriations Committee on Transportation, Tourism, and Economic Development heard presentations on the Governor’s recommended budget for fiscal year 2026-27 and then considered one bill, CS/SB 48 on accessory dwelling units (ADUs). The Governor’s office outlined a $117.4 billion overall budget, with transportation and economic development receiving about $18 billion statewide and $601 million in general revenue. Agency heads then presented priorities for Commerce, Highway Safety and Motor Vehicles, Military Affairs, State, Transportation, Emergency Management, and the Florida State Guard, emphasizing workforce development, housing, tourism marketing, aviation and space infrastructure, law enforcement recruitment, emergency preparedness, and military readiness. In the Commerce presentation, Secretary Kelly highlighted funding for housing programs, the Hometown Heroes program, the Florida Job Growth Grant Fund, rural infrastructure and workforce grants, Reconnect and Florida WINS systems, law enforcement and firefighter recruitment bonuses, defense support, Visit Florida, Space Florida, and SelectFlorida. Senators asked about Visit Florida’s private match requirements and whether the agency fully leveraged prior appropriations; Visit Florida’s CEO said the match was met and exceeded, though it is difficult but important. The Highway Safety and Motor Vehicles presentation focused on trooper pay, pursuit vehicles, aviation assets, and enterprise data systems, with questions about immigration enforcement and body cameras. Military Affairs requested funding for readiness centers, training facilities, education and health benefits for Guardsmen, and maintenance of existing armories; members discussed Guard deployments, staffing levels, and a proposed firing range project. The Department of State requested funds for automated election audits, a conservation lab, and historic preservation, and defended its arts grant process and rule changes. Transportation’s budget emphasized a $14.3 billion work program, road and bridge maintenance, aviation and aerospace, safety initiatives, and seaport investments, while Emergency Management requested funding for preparedness, flood mitigation, WebEOC, grants management, and alert systems; senators also asked about the Alligator Alcatraz detention facility. For CS/SB 48, Senator Gates explained that the bill would require local governments to allow property owners to voluntarily create ADUs, while preserving local authority over setbacks, construction, and permitting. An amendment removed reusable tenant screening reports and clarified that conforming ADUs would be allowed by right without a separate hearing. The Florida Restaurant and Lodging Association supported the bill, saying ADUs could help provide long-term housing for service workers. After questions about local government and HOA authority, the committee adopted the amendment and then reported CS/SB 48 favorably by roll call vote.
FL

Florida 2026 Regular Session

Appropriations Committee on Transportation, Tourism, and Economic Development Jan 14th, 2026

Appropriations Committee on Transportation, Tourism, and Economic Development

Transcript Highlights:
  • partners in Select Florida, Visit Florida, Space Florida, CareerSource Florida, and the Florida Housing Finance
  • So this is really to get ahead of that, and this gives Space Florida the ability to have a financing
  • And $6 million of that additional increase is restoring Space Florida's financing tool, which I will
  • A failure to invest in that $3 million would cause homeowners insurance policies for national flood insurance
  • A failure to invest in that $3 million would cause homeowners insurance policies for national flood insurance
Bills: S0048
Summary: The Appropriations Committee on Transportation, Tourism, and Economic Development heard the Governor’s proposed FY 2026-27 budget for the TED silo and presentations from Commerce, Highway Safety and Motor Vehicles, Military Affairs, the State Guard, State, Transportation, and Emergency Management. The Governor’s office outlined a $117.4 billion overall budget, including $18.3 billion for TED agencies, with major allocations for FDOT, Commerce, emergency management, tourism, military affairs, and state operations. Agency heads emphasized priorities such as housing and disaster recovery, workforce and rural infrastructure, law enforcement recruitment, defense support, tourism marketing, aerospace and spaceport investment, election audits, historic preservation, road and bridge maintenance, aviation safety, and emergency preparedness systems. Members asked several questions about the use and effectiveness of funding. Visit Florida officials said the public-private match is essential and that they exceeded the required match last year. Highway Safety and Motor Vehicles discussed trooper pay, vehicle replacement, aviation support, and transparency tools such as vehicle camera systems, with senators praising the department’s recruitment efforts. Military Affairs and the State Guard described readiness, recruiting, facility construction, and support for domestic missions, including hurricane response and perimeter security at the Everglades detention site; questions focused on deployment tempo, staffing, and costs. The Department of State explained funding for automated election audits, a conservation lab, and historic preservation, and said its arts grant changes were intended to standardize scoring rather than cut programs. Transportation highlighted a $15.4 billion total budget, major work program funding, safety initiatives, seaport and aviation investments, and the elimination of Florida Rail Enterprise funding due to reduced documentary stamp revenues. The committee also heard and passed CS/SB 48 by Senator Gates, which requires local governments to allow accessory dwelling units on a voluntary basis, while preserving local authority over setbacks, construction, and permitting. An amendment removed reusable tenant screening reports and clarified that conforming ADUs are allowed by right without separate hearings. The Florida Restaurant and Lodging Association and several industry and business groups supported the bill, citing the need for long-term rental housing for workers. After debate, the committee adopted the amendment and reported the bill favorably by roll call vote.
NM

New Mexico 2025 Regular Session

House - Energy, Environment and Natural Resources Jan 28th, 2025

House Energy, Environment & Natural Resources

Transcript Highlights:
  • They give a report every year to the Finance Authority. In Arizona, they have a 15% goal by 2025.
  • I'm aware of counties like Torrance County and others where the financing agreements they've reached
  • As the bill mentions, any homeowner who installs these systems will ensure that they are certified commercial
  • and with the federal and state tax credits, income tax credits similar to this one, we were able to finance
  • And for the homeowners, I, you know, what are they going to do when that product is no longer functioning
HI
Transcript Highlights:
  • Alabama has a highly successful program offering grants for homeowners to put in these really simple
  • to put in these really simple homeowners to put in these really simple Hurricane<00:38:27.200><c> CLI
  • We know that the affordable home ownership revolving fund was created to provide financing for those
  • We know that the affordable home ownership revolving fund was created to provide financing for those
  • for know those groups that financing for know those groups that provide<00:47:05.960><c> housing</c>
Committee: House Housing
Keywords: 910, house, all
Summary: The House Committee on Housing held a public hearing on a wide range of housing-related bills. HB 295 on Hawaiian homelands drew support from the Office of Hawaiian Affairs and individual testifiers who described long waits for DHHL housing, while the Department of Hawaiian Homelands offered comments noting that lowering the Native Hawaiian blood quantum from 50% to 25% would require multiple legal and federal review steps. The committee also heard testimony on several Hawaii Public Housing Authority measures, including HB 99, HB 1096, HB 1097, HB 1095, HB 1093, and HB 1094, which generally received agency support and little or no public opposition during the hearing. HB 1094 prompted questions about the handling and sale or donation of seized property, and the agency said it lacked capacity to manage that work directly and would need to consult the Attorney General on liability concerns. The committee then heard HB 1056 and HB 1467, both related to a proposed Hawaii Homes or housing resiliency program. DCCA, the Hawaii Green Infrastructure Authority, the Climate Advisory Team, and Hawaii Realtors supported HB 1056, while the Attorney General requested clarification on fund language. The Insurance Commissioner said DCCA was willing to run the program and that strengthening homes would help keep insurance available in Hawaii. For HB 1467, the Hawaii Green Infrastructure Authority and Climate Advisory Team also supported the measure, with the Attorney General raising concerns about delegation, the special fund, and extension authority. Testimony on both bills emphasized hurricane retrofits, with some witnesses urging harmonization of the two similar proposals and one witness warning that the bills could conflict with efforts to reduce building-code minimum standards. Other measures included HB 1013 on important agricultural lands, which received support from HHFDC, the Office of Planning and Sustainable Development, DBEDT, the Agri-Business Development Corporation, and Purple Maiʻa Foundation, with some agencies offering comments. HB 1294 on agricultural workforce housing drew comments from the Attorney General, who said commissions may be established by law rather than by the department itself, along with support from OHA, a council member, and the Democratic Party of Hawaii Education Caucus. HB 89 on teacher housing received support from OHA and education groups, while the Attorney General said the bill may have constitutional issues and suggested amendments to set standards for voucher applications. HB 276 on condominiums and HB 528 on residential leases also drew support, with no testimony in opposition. HB 415 on public safety and fire sprinklers generated the most clear split in testimony: the State Fire Council, a fire department representative, and an individual supported the bill, arguing sprinklers improve safety and can prevent major losses, while BIA Hawaii, Pacific Home and Appliance Distribution, NAAP Hawaii, Gentry Holmes, and DR Horton Hawaii opposed it, saying the added cost would worsen housing affordability and that existing codes already address safety. No votes or final committee actions were taken during the hearing; the chair repeatedly closed each bill after testimony and questions, and the hearing moved through the agenda without recorded committee votes.
AZ

Arizona 2026 Regular Session

03/31/2026 - House Appropriations

Appropriations

Transcript Highlights:
  • twice annually rather than only annually and requires the commission to recommend to the Arizona Finance
  • The monies are to be used for the purpose of conducting a study that assesses financing mechanisms for
  • Local government is doing everything within our authorities to plan responsibly, but current financing
  • The study will give ADOT and the legislature a clear understanding of financing mechanisms to better
  • This bill is drafted to protect behaviors of the pets, the pets' owners, and to protect the homeowners
TX
Transcript Highlights:
  • The bill provides for the standard powers of financing for water, sewer, drainage, and road infrastructure
  • Significant change in financing structure for the purpose, an increase of more than 33 percent of the
  • Okay, well, remember, that's one of the reasons why I don't like this method of financing, because you
  • One of the problems with the financing method here is that we're requiring TRE money, effectively M&O
  • So one of the complications is the way that this financing scheme has been set up.
TX

Texas 89th Regular

State Affairs Apr 28th, 2025

State Affairs

Transcript Highlights:
  • Yeah, I'm just thinking about if this land was financed or the property was financed. ...What's the lender's
  • Today, I'm here to speak to you about House Bill 4823, the Campaign Finance Transparency Act.
  • House Bill 4823 ensures that campaign finance information is accessible and transparent, reinforcing
  • By streamlining the reporting process and making campaign finance... ...and more accessible.
  • Where the campaign finance reports even are, let alone what format they're in.
Committee: House State Affairs
MN

Minnesota 2025-2026 Regular Session

House Capital Investment Committee 3/11/25

Capital Investment

Transcript Highlights:
  • The city is unable to assess 20% of the project as it's adjacent to a city park, and homeowners along
  • The city is unable to assess 20% of the project as it's adjacent to a city park, and homeowners along
  • project as s uh adjacent to a city park project as s uh adjacent to a city park and<01:15:20.960><c> homeowners
  • ><c> along</c><01:15:21.960><c> the</c><01:15:22.120><c> area</c><01:15:22.800><c> have</c> and homeowners
  • along the area have and homeowners along the area have already<01:15:23.320><c> been</c><01:15:23.560
ID

Idaho 2026 Regular Session

Agenda Mar 10th, 2026

Transcript Highlights:
  • So what exists right now is the Idaho Housing and Finance Association.
  • So if I were to call or contact the Idaho Housing and Finance Association and ask for a specific grant
  • Idaho relies on the Idaho Housing and Finance Association. That's great.
  • Housing and Finance Association, is doing a bad job.
  • of developments coming in by right next to those homes and reducing the property value of those homeowners
Summary: The committee first heard House Bill 751, which would expand the STARS program for commercial transportation infrastructure by lowering the minimum project floor from $6 million to $5 million and raising the cap from $35 million to $100 million. Representative Monks explained that STARS lets developers front infrastructure costs and be repaid from a portion of new sales tax generated by the development, and supporters said it helps fund major roadway improvements without costing the state upfront. The committee advanced the bill on a due pass recommendation. The committee then considered Senate Bill 1347, a transparency measure for Idaho Housing and Finance Association’s pass-through homelessness grants, specifically the Continuum of Care and Emergency Solutions Grant programs. Sponsors said the bill would require annual reporting on grant recipients, uses of funds, and outcomes such as housing exits, income changes, and referrals, while not changing funding levels. Testimony included support from transparency advocates and concerns from a senator and nonprofit/housing professionals that the bill could duplicate existing federal and IHFA audits and add unnecessary reporting burden. The committee sent the bill to the floor with a due pass recommendation, with Senators Robbie and Taylor voting no. Finally, the committee took up Senate Bill 1352, which would create state standards for “starter home subdivisions” on parcels of at least four acres in cities over 5,000 population by limiting minimum lot sizes and allowing higher density, while preserving local authority over infrastructure, safety, and environmental requirements. Supporters argued the bill would help address Idaho’s housing shortage by enabling smaller, more attainable homes and reducing regulatory barriers; opponents from city, planning, and local government groups said it would override local control, lacked an income-based affordability requirement, and could create infrastructure and neighborhood impacts. After extensive testimony, the committee’s initial motion for a due pass recommendation failed on a 4-5 roll call, and the bill was then moved to the 14th order for possible amendment. Senate Bill 1354 was held over until the next meeting.
ID

Idaho 2026 Regular Session

Agenda Mar 10th, 2026

Local Government and Taxation

Transcript Highlights:
  • So what exists right now is the Idaho Housing and Finance Association.
  • So if I were to call or contact the Idaho Housing and Finance Association and ask for a specific grant
  • Idaho relies on the Idaho Housing and Finance Association. That's great.
  • Housing and Finance Association is doing a bad job.
  • of developments coming in by right next to those homes and reducing the property value of those homeowners
Keywords: 989, all
CA

California 2025-2026 Regular Session

Assembly Floor Session Jan 29th, 2026

California House Floor Meeting

Transcript Highlights:
  • The Uniform Commercial Code financing statement, also known as a UCC-1 lien, was designed to be an easily
  • I present AB 739, which aims to provide transparency to homeowners on fees charged by managing agents
  • As such, developers must obtain more financing at less attractive terms, passing this added cost onto
  • by increasing this damages cap from 3% to 6%, which allows a developer to obtain more attractive financing
  • In 2021, nationwide, first-time homeowners with government-backed mortgages bought 60% of condos and
Summary: The Assembly convened, established a quorum, offered a prayer and Pledge of Allegiance, and then took up a long third-reading file with several guest introductions and ceremonial resolutions. Early floor action included AB 713, allowing undocumented students equal access to campus jobs at UC, CSU, and community colleges, and AB 1049, streamlining California Food Assistance Program applications for low-income immigrant families; both passed. The body also defeated an amendment to AB 1421, a bill to begin studying a statewide mileage-based road user charge, before passing the measure. AB 1171, modernizing part-time community college faculty health insurance access, also passed with strong support. The Assembly then approved a series of policy bills on animals, domestic violence, telehealth for autism services, forestry, false lien filings, tianeptine restrictions, housing, common interest development fee transparency, prison sexual abuse accountability, PBM reporting, foster youth benefits protections, illegal dumping and abandoned RV removal, condo financing/liquidated damages, public contracting, pension-related study language, climate resiliency research funding, and a disposable vape reduction measure. Most passed with broad margins; AB 762 on vapor inhalation devices drew the most debate, with supporters emphasizing landfill fires and public health and opponents warning about revenue losses and illicit-market growth, but it still passed. AB 1406 on condo development financing drew extensive discussion about housing affordability and consumer protections before passing. The chamber also adopted three resolutions: ACR 120 declaring January 2026 Positive Parenting Awareness Month, ACR 121 designating January 2026 National Mentoring Month, and ACR 122 designating Anesthesiologist Week. Later, the Assembly concurred in Senate amendments on AB 1485, extending welfare-tax exemption treatment to federally recognized tribes holding land for conservation, and adopted the consent calendar, which included several additional bills and SCR 6. The session ended with adjournment until February 2, 2016, after which several members recorded vote changes from the floor.
MN

Minnesota 2025-2026 Regular Session

House Energy Finance and Policy Committee 3/25/25

Energy Finance and Policy

Transcript Highlights:
  • But what I was thinking more top of mind was, as far as like the city financing in terms of like levies
  • top of Mind was um as far as like the top of Mind was um as far as like the city<00:20:14.400><c> financing
  • in terms of like city financing in terms of like levies<00:20:18.159><c> did</c><00:20:18.320><c> you
  • </c> the dollars go directly to uh homeowners the dollars go directly to uh homeowners and<01:36:52.199
  • actually go to benefits for homeowners actually go to the<01:37:13.920><c> utilities</c><01:37:14.840
Keywords: 1183, house
DE
Transcript Highlights:
  • The House Revenue and Finance Committee meeting is now called to order.
  • The Finance Committee meeting is now called to order.
  • The legislation requires the Department of Finance...
  • We just got this as I was walking out the door from the finance folks.
  • Does the Department of Finance have time and resources to operationalize this?
Summary: The House Revenue and Finance Committee met to consider House Substitute 1 for House Bill 386, which would create a temporary Delaware income tax deduction for qualified tip income from tax years 2027 through 2029. The sponsor described it as relief for service workers in restaurants, salons, and similar tipped occupations, with a deduction of up to $15,000, income-based phaseouts, a refundable credit for lower-income workers, and a sunset for later review. Committee members raised questions about the resident/non-resident language, the fiscal note, and whether the Department of Finance could implement the change; Finance said the department could administer it and expected only modest administrative costs, while the Comptroller’s office said the bill would reduce general revenue. After a brief recess to review updated language, the committee took public comment, but no one testified. A motion to release the bill failed to receive enough votes, and the chair said she would walk it to seek additional signatures. The committee then considered Senate Bill 219, which would phase in an increase in the military pension income exemption from $12,500 to $25,000 by tax year 2029. The sponsor argued the measure would help attract and retain military retirees, citing economic return estimates, workforce benefits, and support from all 21 Senate co-sponsors. Some members supported the bill as a way to reward service and bring in long-term residents, while others questioned whether the exemption should be income-based rather than available to all military retirees, including those with substantial second careers. The Department of Finance said it could operationalize the bill and that the non-resident language was unnecessary because the subtraction is already picked up in the non-resident code section. Public testimony from veterans’ organizations strongly supported the bill, emphasizing that the exemption can influence retirement decisions and help veterans and their families stay in Delaware. A motion to release the bill also failed to get enough votes, and the chair said she would walk it for signatures before adjourning the meeting.
HI

Hawaii 2025 Regular Session

CPN Public Hearing 02-14-2025

Commerce and Consumer Protection

Transcript Highlights:
  • This would have an impact on all other types of insurance, whether it be auto insurance or homeowners
  • insurance where it be auto insurance of insurance where it be auto insurance or<00:05:20.560><c> homeowners
  • c> or</c><00:05:21.440><c> the</c><00:05:21.560><c> individual</c><00:05:22.120><c> cond</c> or homeowners
  • or the individual cond or homeowners or the individual cond condo<00:05:23.120><c> unit</c><00:05:23.880
  • north of $2 billion in our Hawaii financial institutions as we're looking to shore up our state finances
Keywords: 912, senate, all
Summary: The committee heard several insurance and condominium-related bills. SB 1137 would require insurers to notify policyholders of approved rate changes within 30 days and at least 30 days before the effective date. The Insurance Division supported the bill, while testimony focused on condominium master policies and whether the notice period would be enough for associations to respond to rate increases. The division said the bill would mainly affect admitted carriers, not surplus lines insurers that write many condominium master policies, and warned against limiting the nonadmitted market. SB 293, requiring sellers to disclose when USPS cannot deliver mail or packages to a residential property, was also heard with HAAI Realtors commenting. SB 752 would extend notice periods for cancellation or nonrenewal of property-casualty policies; the Attorney General’s Office raised concerns about contractual impairment and retroactive application. The committee also heard SB 575, which would allow authorized insurers to offer building and hurricane damage coverage for condominium buildings at a lower rate than prior surplus lines coverage. The Insurance Division stood on written testimony, and a condominium owner urged amendments to require a membership vote before such coverage changes, citing concerns about condominium self-governance. SP 1046 would require managing agents to notify unit owners and the Real Estate Commission when a condominium association fails budget and reserve reporting requirements. The Real Estate Commission said the bill was administratively workable as drafted but noted ambiguity over who counts as the “managing agent”; several testifiers opposed the measure, arguing it could disrupt the principal-agent relationship and impose legal judgment on nonlawyers, while others supported it. SP 150, dealing with captive insurance companies seeking exemption from examinations, drew the most detailed discussion. The Captive Insurance Council supported the bill as a way to reduce duplicative oversight and improve Hawaii’s competitiveness, while the Insurance Division opposed it as drafted, citing concerns about broad commissioner discretion, possible missed issues between exams, staffing shortages, and the need to preserve oversight. A committee member asked about a possible middle ground, including a shorter exemption period or limiting the bill to self-attestation companies; the division said it would need more information and that annual filings and approval requirements would still provide oversight. The committee also heard SP 212, which would require at least two Real Estate Commission members to be licensed engineers or architects; testimony included support and a concern about conflicts of interest among people who serve in multiple roles in the condominium and real estate sectors. No votes or final actions were taken in the portion provided, and the chair moved from one measure to the next after testimony and questions.
NH

New Hampshire 2026 Regular Session

Senate Finance (03/17/2026)

Finance

Transcript Highlights:
  • So, we'll call the Senate Finance Committee meeting to order.
  • So, I call the Senate Finance Committee out of recess.
  • And I'm concerned about that. 20 homeowners 20 homeowners in<01:07:40.760><c> Pillsbury</c><01:07:41.480
  • I'm just reminding that we rejected this, I believe, twice in Finance last year.
  • I believe twice in Finance last year.
Committee: Senate Finance
Keywords: 1191, senate, all
TX
Transcript Highlights:
  • performance tier funding for dual credit or dual enrollment courses under the public junior college state finance
  • used this opportunity to go to college, become a college graduate, and become a gainfully employed homeowner
  • typically to repair that, and anything we can do to have more labor available and be responsive to the homeowner
Committee: Senate Education
Keywords: 1185, senate, all
TX

Texas 89th 2nd C.S.

Land & Resource Management Mar 20th, 2025

Land & Resource Management

Transcript Highlights:
  • I'm also on the Harbor Lakes, uh, Homeowners Association.
  • But paying for, we use a public financing to do that.
  • I think that if we, if I tweak that bill under the exemptions that provides like the homeowners association
Bills: HB24