Homeownership & Foreclosure

FHA, VA & USDA Mortgages

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.

House Veterans’ Affairs Subcommittee Discusses Lowering Housing Costs for Veteran Families

March 26, 2026

NCLC’s Alys Cohen Urges VA To Take Steps to Keep Veterans in Their Homes

Read More about: House Veterans’ Affairs Subcommittee Discusses Lowering Housing Costs for Veteran Families
July 31, 2025
February 6, 2023

Recent

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Draft Mortgage Letter (Draft ML), Reinstatement Advance Payment (RAP)

September 18, 2026

House Veterans’ Affairs Subcommittee Discusses Lowering Housing Costs for Veteran Families

March 26, 2026

Testimony Before the House Committee on Veterans’ Affairs on Lowering Costs for Veteran Families Through the VA Home Loan Program

March 26, 2026

Robinson et al v. D.R. Horton, Inc., and DHI Mortgage Company, Ltd.

March 6, 2026

Digital Library: Seven Key Changes to the FHA Waterfall

January 26, 2026

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

January 19, 2026

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

December 4, 2025

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

December 1, 2025

Gout v. Unison Agreement Corp. et al.

September 18, 2025

Reports

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Unmet Promise: Reverse Mortgage Servicing Challenges and How to Preserve Housing Stability for Older Adults

February 6, 2023

Issue Briefs

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Ensuring Access to Sustainable Homeownership: 2022 Priorities

March 1, 2022

FAQ: Homeowner Assistance Funds and Reverse Mortgages

March 1, 2022

HUD Should Provide Additional COVID Loss Mitigation Options for HECM Borrowers

August 5, 2021

Using the Homeowner Assistance Fund to Prevent Reverse Mortgage Foreclosures: What Treasury and the States Can Do

April 1, 2021

Assisting Homeowners with Reverse Mortgages after a Natural Disaster: A Guide for Advocates

October 1, 2018

Recommendations to Improve Servicing and Reduce Foreclosures of Federal Reverse Mortgages

Comments & Letters

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Draft Mortgage Letter (Draft ML), Reinstatement Advance Payment (RAP)

September 18, 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

Coalition letter to HUD and OMB Opposing Weakening of Disparate Impact Rule

September 2, 2025

NCLC Comment to HUD on Buy Now Pay Later Products

August 25, 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

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

Press Releases & News

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House Veterans’ Affairs Subcommittee Discusses Lowering Housing Costs for Veteran Families

March 26, 2026

Digital Library: Seven Key Changes to the FHA Waterfall

January 26, 2026

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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