All Issues

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.

Green Lending, Energy Financing & PACE

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

Home Equity Investment Loans

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

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.

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.

Featured

Recent Resources

View All for Recent Resources
Proposal Would Allow Banks to Charge Homeowners Hidden Fees and Override State Laws

January 30, 2026

Comments to the OCC Regarding Interest-on-Escrow Preemption Determination and Real Estate Lending Accounts Rule

January 29, 2026

Comments on OCC Interest-on-Escrow Law Preemption

January 29, 2026

Digital Library: Home Equity Theft Scams—An Old Problem Takes on New Forms

January 26, 2026

Comment on Use of Independent Third-Party Providers in Connection with Claims Without Conveyance of Title (CWCOT)

January 19, 2026

As MLK Day Approaches, HUD Takes Steps to Reduce Access to Housing

January 16, 2026

The New York Times: What Is a ‘Zombie Mortgage,’ and How Can You Avoid It?

December 13, 2025

Amicus Brief in Supreme Court Property Tax Foreclosure Case, Pung v. Isabella County

December 8, 2025

Santiago v. D.R. Horton, Inc., and DHI Mortgage Company, Ltd.

December 4, 2025

Comments & Letters

View All for Comments & Letters
Comments to the OCC Regarding Interest-on-Escrow Preemption Determination and Real Estate Lending Accounts Rule

January 29, 2026

Comments on OCC Interest-on-Escrow Law Preemption

January 29, 2026

Comment on Use of Independent Third-Party Providers in Connection with Claims Without Conveyance of Title (CWCOT)

January 19, 2026

Comments to HUD Regarding Future of the HECM and HMBS Programs and Opportunities for Innovation in Accessing Home Equity

December 1, 2025

2026-2028 Enterprise Housing Goals

November 3, 2025

Request for Information on Regulatory Reform on Artificial Intelligence

October 26, 2025

Comments to Illinois Department of Financial and Professional Regulation on Shared Appreciation Agreements

October 15, 2025

Fair Housing Coalition Letter Opposing Repeal of FHFA’s Fair Lending Rule

September 26, 2025

Underserved Mortgage Markets Coalition Letter to FHFA Urging Preservation of Fair Lending Rule

September 26, 2025

Reports

View All for Reports
“What the Heck, Dude!”: How States Can Fight Rental Housing Junk Fees

November 13, 2025

Compendium of Existing Laws that Foster Resident Ownership of Manufactured Home Communities

October 1, 2025

Cracking the Code: Understanding and Overcoming Language Barriers in Consumer Finance

September 24, 2024

Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss

January 29, 2024

Property Tax Foreclosures on Heirs Property: The Devastating Consequences and Recommendations for Prevention

August 22, 2023

Too Damn High: How Junk Fees Add to Skyrocketing Rents

March 13, 2023

Report: How GSE Note Sales Undermine Homeownership

January 30, 2023

Summary of State Manufactured Home Notice and Right of First Refusal Laws

January 1, 2021

Appendix C: Long Summaries of Loss Mitigation Rules for Government-Backed Loans

February 19, 2020

Issue Briefs

View All for Issue Briefs
Home Equity Investment Loans Are Subprime Mortgages: Federal and State Policymakers Should Update Rules to Protect Consumers

November 24, 2025

Massachusetts H.1106 Will Legalize Hiding Dangerous Mortgage Terms

November 21, 2025

Fact Sheet for Regulating Shared Appreciation Mortgages; Massachusetts S.731 / H.1145

November 14, 2025

Fact Sheet: Protecting Massachusetts Homeowners from Zombie Second Mortgages

October 20, 2025

What States Can Do To Protect Heirs From Disaster Displacement

September 30, 2025

What States Can Do to Protect Homeowners from Home Equity “Investment” Loans

September 3, 2025

Handcuffing Heirs: How Seizing Inheritances to Collect Pay-to-Stay Prison Fees Hinders Recovery and Financial Stability

July 29, 2025

What States Can Do to Help Consumers: Medicaid Estate Recovery

May 5, 2025

Fact Sheet: Protecting Homeowners from Zombie Second Mortgages

February 20, 2025

Testimony

View All for Testimony
Testimony in Support of MA S.731/H.1145 – An Act Regulating Certain Mortgages; Support for Regulating HEIs and SAMs

November 18, 2025

NCLC and GBLS Testimony in Opposition to MA S.705 & H.1106: An Act Relative to Home Investments

November 18, 2025

Written Testimony in Support of Massachusetts Zombie Second Mortgage Bill

October 21, 2025

Written Testimony to Maine Legislature Joint Standing Committee on Taxation in Support of LD 1901

May 14, 2025

Manufactured Housing Testimony Before House Financial Services Committee

May 14, 2025

Testimony in Support of Maine Bill Regulating Home Equity “Investment” Loans

May 14, 2025

Testimony Against Washington State HESA Bill HB 1464

February 14, 2025

Testimony of Steve Sharpe Before U.S. House Committee on Veterans’ Affairs Regarding the State of the U.S. Department of Veterans Affairs (VA) Home Loan Guaranty Program

February 15, 2024

Testimony of Sarah B. Mancini on Alternative Home Financing Before the Senate Banking Subcommittee on Housing, Transportation, and Community Development

July 11, 2023

Press Releases & News

View All for Press Releases & News
Proposal Would Allow Banks to Charge Homeowners Hidden Fees and Override State Laws

January 30, 2026

Digital Library: Home Equity Theft Scams—An Old Problem Takes on New Forms

January 26, 2026

As MLK Day Approaches, HUD Takes Steps to Reduce Access to Housing

January 16, 2026

The New York Times: What Is a ‘Zombie Mortgage,’ and How Can You Avoid It?

December 13, 2025

Bloomberg: Zombie Debt: Pay Up or Move Out

October 6, 2025

Homeowners Sue D.R. Horton Over Deceptive Home Sales & Financing Scheme

October 1, 2025

Digital Library: Courts Expose Deception of Home Equity “Investments”

August 15, 2025

ABC News: ‘Highballed’: How disproportionate property taxes are forcing some Americans out of their homes

August 3, 2025

New Mortgage Relief Law Will Help Thousands of Veterans Avoid Foreclosure

July 31, 2025

Amicus Briefs

View All for Amicus Briefs
Amicus Brief in Supreme Court Property Tax Foreclosure Case, Pung v. Isabella County

December 8, 2025

Amicus Brief: Weingot v. Unison Agreement Corp. et al.

January 22, 2025

Amicus Brief: Voss v. Quicken Loans, LLC et al.

August 22, 2024

NAMIC v. HUD

July 10, 2024

Amicus Brief in Tyler v. Hennepin

March 6, 2023

Amicus Brief in Massachusetts Fair Housing Center and Housing Works, Inc. v. HUD

October 13, 2020

Amicus Brief in the Township of Mount Holly v. Mt. Holly Gardens Citizen in Action

October 28, 2013

Amicus Brief in First American Financial Corporation v. Denise P. Edwards

October 18, 2011

Support NCLC

Please support NCLC's work to advance consumer rights and economic justice with a tax-deductible contribution today!

Donate