Homeownership & Foreclosure

Homeownership plays a key role in economic mobility. Yet Black homeownership rates are lower than a decade ago, and Black and Latino homeowners face the greatest risk of foreclosure. NCLC seeks to expand access to sustainable homeownership for low-income consumers and communities of color by removing barriers to affordable mortgages and establishing solutions for homeowners seeking to save their family home in the face of economic hardship.

Key Topics

FHA Loans

Working to preserve affordable homeownership in the Federal Housing Administration loan program.


The LIBOR is a benchmark index, also known as a reference rate, that is commonly used in millions of adjustable rate mortgages, Home Equity Line of Credit (HELOCs), and student loans.

Manufactured Housing

Promoting sustainable practices for consumers in manufactured housing.

Mortgage Lending

Promoting sustainable and equitable homeownership for low-income families.

Mortgage Servicing & Foreclosures

Preserving homeownership with foreclosure prevention and servicing advocacy.

Property Assessed Clean Energy (PACE) Loans

Protecting PACE borrowers against fraud, unaffordable loans, and foreclosure.

Reverse Mortgages

Working to keep reverse mortgages safe and prevent foreclosures.

State Foreclosure Laws & Policy

Promoting state policies and using state law to prevent foreclosure.


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