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.

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

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New Mortgage Relief Law Will Help Thousands of Veterans Avoid Foreclosure

July 31, 2025

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

July 29, 2025

Bill Makes Strides Toward Sustainable Homeownership 

July 29, 2025

Home Equity Investment Loans Are Subprime Mortgages: Federal and State Policymakers Should Update Rules to Protect Consumers

May 27, 2025

Advocates, Members of House Committee on Veterans’ Affairs Call on VA to Revive VASP Program

May 20, 2025

Recommendations for Improving Conn. S.B. 1257, Regarding Home Equity Investment Loans

May 19, 2025

Coalition Letter to FHFA, HUD and the U.S. Treasury Department on the Housing Crisis

May 15, 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

Comments & Letters

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Recommendations for Improving Conn. S.B. 1257, Regarding Home Equity Investment Loans

May 19, 2025

Coalition Letter to FHFA, HUD and the U.S. Treasury Department on the Housing Crisis

May 15, 2025

NCLC Comment to FHA’s Equity Saver Sale (ESS) Proposal

March 17, 2025

Coalition Letter to Congressional Leadership Opposing HUD Staffing Cuts

March 11, 2025

Joint Advocacy/Industry Letter on FHA Loss Mitigation

March 11, 2025

NCLC/CRL Statement for the Record

March 7, 2025

Letter for the Record: Subcommittee on Housing and Insurance, U.S. House Financial Services Committee, Hearing: “Building Our Future: Increasing Housing Supply in America.”

March 1, 2025

Joint Letter Regarding Veterans Affairs Servicing Purchase

January 17, 2025

Joint Industry and Advocacy Comment on Draft FHA Handbook

December 20, 2024

Reports

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

April 14, 2025

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

September 24, 2024

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

September 5, 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

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

July 29, 2025

Home Equity Investment Loans Are Subprime Mortgages: Federal and State Policymakers Should Update Rules to Protect Consumers

May 27, 2025

Massachusetts H1106 Will Legalize Hiding Dangerous Mortgage Terms

May 8, 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

Fact Sheet for Regulating Shared Appreciation Mortgages; Massachusetts H.3954 / S.731

February 18, 2025

The CFPB: Promoting a Stable Housing Market

January 28, 2025

Checklist for Identifying a Zombie Second Mortgage

January 7, 2025

What States Can Do To Help Struggling Consumers

January 2, 2025

Testimony

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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 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

Testimony Before the Connecticut General Assembly Regarding Raised Bill No. 988

February 14, 2023

Testimony Before Maryland General Assembly Regarding H.B. 23

January 24, 2023

Testimony Regarding MD H.B. 71, the Manufactured Housing Modernization Act

January 21, 2022

The LIBOR Transition: Protecting Consumers and Investors

November 2, 2021

Press Releases & News

View All for Press Releases & News
New Mortgage Relief Law Will Help Thousands of Veterans Avoid Foreclosure

July 31, 2025

Bill Makes Strides Toward Sustainable Homeownership 

July 29, 2025

Advocates, Members of House Committee on Veterans’ Affairs Call on VA to Revive VASP Program

May 20, 2025

Abrupt End of VASP Program Leaves Veterans, Families at Risk of Home Loss

May 1, 2025

Presidential Action Enables Discrimination in Housing and Lending

April 25, 2025

The New York Times: Buying a Home? Without the Consumer Bureau, You Need to Be Your Own Watchdog.

March 7, 2025

FTC Rule Stops Short of Protecting Tenants from Junk Fees in Rental Housing

December 17, 2024

Final PACE Rule Will Protect Homeowners, Improve Mortgage Performance

December 17, 2024

Digital Library: Homeowner Tactics and Remedies When Insurance Is Force-Placed

November 18, 2024

Amicus Briefs

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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

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