No one knows...not really.  President-elect Donald Trump didn't say much over the past 18 months regarding the mortgage industry and housing reform.  What this means is we don't really know what to expect.  We do know that the GOP has control of the House and Senate.  The Senate is fairly evenly divided though, which would lead one to believe that it will be tough to make any major housing reform changes without bipartisan support.  There would need to be a lot of negotiating to make anything happen.  Some other areas to watch would be the future of GSE's and the CFPB.  Stay tuned.