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This report was originated by the Nebraska Department of Economic Development in an effort to gather information from builders and lenders concerning their perceptions of the appropriate functions of the Nebraska Mortgage Finance Fund. In gathering the information for the report, considerable time was given by the builders and lenders in order to share their thoughts, ideas, and concerns about the Nebraska Mortgage Finance Fund, and their use of the 235 program. Although some of the ideas were in conflict, those who read this report will find some common threads on which to build a program. Different interests have different views of the function of the Nebraska Mortgage Finance Fund, and of course each desires rules formulated to favor its position, but none of those interviewed lost sight of the need to provide housing assistance to low and moderate income families they disagreed only as to procedures for doing that.