NCLC works for policies that allow government-insured loan borrowers to retain their homes even in the face of economic hardship.

NCLC works to protect consumers from abusive energy financing and PACE loans.

“Heirs property” is created when a property owner dies, passing land or home to their heirs, but the formal probate process has not been completed.

Home equity “investment” loans, or shared appreciation mortgages, may provide immediate cash, but demand big equity later, trapping owners.

Promoting sustainable practices for consumers in manufactured housing.

NCLC works to preserve and expand homeownership for low-income families and communities of color.

Preserving homeownership with foreclosure prevention and servicing advocacy.

State and local laws and policies control how local governments collect property taxes from homeowners. If the property tax burden becomes unaffordable, homeowners face the risk of foreclosure by this super-priority lien.

NCLC works to improve state policies to save homes, communicate effectively with homeowners, and exercise flexibility in the face of public emergencies.