President Barack Obama smile during a news conference in the East Room at the White House in Washington, Friday, Aug. 9, 2013. The president said he'll work with Congress to change the oversight of some of the National Security Agency's controversial surveillance programs and name a new panel of outside experts to review technologies. (AP Photo/Charles Dharapak) WASHINGTON (AP) - President Barack Obama says the housing market is healing, but it's time to turn the page on the "bubble-and-bust mentality" that led to the market's collapse. In his weekly radio and Internet address, Obama calls on Congress to let all Americans refinance at current low rates. He wants more help for first-time homebuyers and expanded affordable rental housing. He's proposing to phase out mortgage giants Fannie Mae and Freddie Mac so private capital can play a bigger role in mortgages. At the same time, Obama says the U.S. must preserve access to popular 30-year mortgages. In the Republican address, Sen. Tim Scott of South Carolina says Obama's energy policies have failed. He says Republicans want government to get out of the way, including by approving the Keystone XL pipeline. Obama address: www.whitehouse.gov