(RECAP: The country’s top housing official Wednesday bemoaned what he sees as overly stringent credit market that is impeding the homeownership aspirations of many creditworthy borrowers. “The dream of homeownership is out of reach for too many Americans, and all of us at HUD are determined to change this,” HUD Secretary Julian Castro declared in a speech at a conference hosted by the Congressional Hispanic Caucus Institute. He also said his department will work to address what he described as “an affordable housing crisis.”)