Housing and community development needs : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Seventh Congress, first session on the examination of housing and community development needs, focusing on the fiscal year 2003 housing and urban development budget, providing a mortgage cut rate for national guardsmen and reservists called to active duty, relief on FHA mortgages for the victims families of the September 11, 2001 attacks, and for New York Citys' economic recovery, November 29 and December 13, 2001.