instruction:
In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.
question:
Affordable Mortgage for Homeowners Act of 2011 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) each to carry out a program to provide for the reduction of the interest rates on qualified mortgage mortgages (other than fixed-rate or adjustable-rate mortgages) on single-family housing owned or guaranteed by such enterprises, in accordance with policies and procedures that the Director of the Federal Housing Finance Agency (FHFA) shall establish.

Requires each program to provide a procedure for mortgagors to opt-out of an interest rate reduction.
answer:
To reduce the interest rates on mortgages owned or guaranteed by Fannie Mae and Freddie Mac.


question:
No Child Left Behind Improvement and Flexibility Act of 2004 - Amends the Elementary and Secondary Education Act of 1965 (ESEA) to revise certain requirements which were added by the No Child Left Behind Act of 2001, including ones relating to: (1) academic assessments and adequate yearly progress; (2) teacher qualifications; (3) special education students; and (4) rural schools.
answer:
To improve the accountability provisions of the part A of title I of the Elementary and Secondary Education Act of 1965, and for other purposes.


question:
Education Research & Development To Improve Achievement Act of 2007 - Amends the Elementary and Secondary Education Act of 1965 to direct the Secretary of Education to award grants to research and development entities to develop, evaluate, and encourage the replication of innovations in core activities under title I (Improving the Academic Achievement of the Disadvantaged) of the Act, including: (1) instruction in mathematics, reading or language arts, and science; (2) school improvement and restructuring; (3) supplemental educational services; and (4) the Reading First program.
answer:

A bill to encourage the development of research-proven programs funded under the Elementary and Secondary Education Act of 1965.