【奥巴马演讲】恢复房屋市场,对屋主给予更多支持（2/3)
Hints:Mel Watt
Federal Housing Finance Agency
North Carolina
http://t1.g.hjfile.cn/listen/201305/20130513074820914718.mp3My housing plan has already helped more than two million people refinance their mortgages, and they're saving an average of $3000 per year.
My new consumer watchdog agency is moving forward on protections like a simpler, shorter mortgage form that will help to keep hard-working families from getting ripped off.
But we've still got more work to do. We've got more responsible homeowners to help – folks who have never missed a mortgage payment, but aren't allowed to refinance; working families who've done everything right, but still owe more on their homes than they're worth.
Last week, I nominated a man named Mel Watt to take on these challenges as the head of the Federal Housing Finance Agency. Mel's represented the people of North Carolina in Congress for 20 years, and in that time, he helped lead efforts to put in place rules of the road that protect consumers from dishonest mortgage lenders, and give responsible Americans the chance to own their own home. He's the right person for the job, and that's why Congress should do its job, and confirm him without delay.我的房地产计划已经帮助200多万人们重新申请抵押贷款，平均每年节省他们3000美元。
我新的消费者监督机构，在保护像简单短期抵押贷款协议上行动，这将保护辛苦工作的家庭不受骗。
但还有很多工作需要我们去做，还有更多负责任的产权人需要帮助，从未延期支付抵押贷款还款，却不被允许重新申请贷款的人们一直在做正事，却欠着比房屋价值还多钱数的工薪家庭。
上周，我提名梅尔•瓦特担任联邦住房金融局局长，接受这些挑战。梅尔作为北卡罗来纳州的国会议员已经20年了。那时，他帮助致力于实施保护消费者不受不诚信抵押贷款机构伤害的政策并给与负责任国人拥有自己房子的机会。他是这一职位的合适人选，国会也应该做他们的工作，并毫不迟疑地批准这一任命。
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