Homeownership & Foreclosure

FHA Loans

Low- to moderate-income borrowers, especially Black and Latino homeowners, rely on the FHA-insured loan program to purchase homes. NCLC works for policies to allow borrowers to retain their homes even in the face of economic hardship.

Featured

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Letter to HUD Regarding Revised FHA Servicing Defect Taxonomy Proposal

October 11, 2022

Group Letter to HUD Regarding the Increased 40-year Term for Loan Modifications

May 31, 2022

Group Letter to HUD Regarding the Needed Loan Modification Enhancements to Address Rising Interest Rates

May 31, 2022

Joint Letter to HUD Requesting an Extension for Comments on FHA Defect Taxonomy for Servicing Loans

November 19, 2021

Group Comments to HUD Regarding Single Family Handbook Drafts Posted for Feedback

September 11, 2020

Letter to HUD on Modernization of Engagement With Single Family Mortgagors in Default

May 9, 2023

Advocates Praise FHA’s Expansion of Access to Foreclosure Alternatives

January 31, 2023

Group Letter to FHA on Language Access for Borrowers

November 15, 2022

NHLP & NCLC Letter to U.S. Senate Recommending Improvements to USDA Homeownership Programs

July 8, 2022

Comments & Letters

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Group Letter to HUD Regarding Defect Taxonomy

July 5, 2022

Group Letter to HUD Regarding the Increased 40-year Term for Loan Modifications

May 31, 2022

Group Letter to HUD Regarding the Needed Loan Modification Enhancements to Address Rising Interest Rates

May 31, 2022

Comments Regarding the Single Family Housing Policy Handbook 4000.1

January 28, 2022

Supplemental Comments on the Single Family Housing Policy Handbook 4000.1

January 28, 2022

Group Comments to HUD Regarding Single Family Handbook Drafts Posted for Feedback

September 11, 2020

Comments to HUD on Single Family Loan Sale Program

July 5, 2019

Single Family Housing Loan Quality Assessment Methodology Defect Taxonomy

June 28, 2019

Letter to HUD on Modernization of Engagement With Single Family Mortgagors in Default

May 9, 2023

Reports

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Issue Briefs

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Ensuring Access to Sustainable Homeownership: 2022 Priorities

March 1, 2022

Testimony

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The LIBOR Transition: Protecting Consumers and Investors

November 2, 2021

Press Releases

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Advocates Praise FHA’s Expansion of Access to Foreclosure Alternatives

January 31, 2023

From the NCLC Digital Library

Mortgage Lending

NCLC’s continuously updated treatise on origination, preemption, and litigation, including FHA and VA insured loans.

Read Chapter One

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