Homeownership & Foreclosure

Mortgage Lending

Homeownership is the key to building wealth and economic opportunity in the United States. NCLC works to preserve and expand homeownership for low-income families and communities of color, supporting policies that promote sustainable homeownership and remove barriers to affordable and fair mortgages.

Featured

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Coalition Comments to the Task Force on New Americans on Expanding Language Access Within the Financial Services Sector

February 7, 2023

Coalition Letter to Federal Reserve on Climate Financial Risk Management

February 6, 2023

Joint Letter to the Appraisal Foundation Regarding USPAP Exposure Draft: Nondiscrimination Language

February 3, 2023

Letter to the Appraisal Foundation Regarding Declination of Invitation to Join the Council to Advance Residential Equity

February 3, 2023

Coalition Comments Regarding a Proposed Mortgagee Letter on Borrower Requests for Review of Appraisal Results

February 2, 2023

Joint Trade Letter to FHA Regarding Borrower Request for Review of Appraisal Results

February 2, 2023

Report: How GSE Note Sales Undermine Homeownership

January 30, 2023

Fannie Mae/Freddie Mac Note Sales Undermine Homeownership

January 30, 2023

Contracts That Offer Homeowners Cash for Home Equity Can Be Riskier Than They Look

January 9, 2023

Comments & Letters

View All for Comments & Letters
Coalition Comments to the Task Force on New Americans on Expanding Language Access Within the Financial Services Sector

February 7, 2023

Coalition Letter to Federal Reserve on Climate Financial Risk Management

February 6, 2023

Joint Letter to the Appraisal Foundation Regarding USPAP Exposure Draft: Nondiscrimination Language

February 3, 2023

Letter to the Appraisal Foundation Regarding Declination of Invitation to Join the Council to Advance Residential Equity

February 3, 2023

Coalition Comments Regarding a Proposed Mortgagee Letter on Borrower Requests for Review of Appraisal Results

February 2, 2023

Joint Trade Letter to FHA Regarding Borrower Request for Review of Appraisal Results

February 2, 2023

Comments regarding Loan Guaranty: Revisions to VA-Guaranteed or Insured Interest Rate Reduction Refinancing Loans

January 3, 2023

Coalition Comments to the FHFA on the 2022 DTS Plan Modifications

December 5, 2022

NCLC’s Comments to HUD regarding Small Dollar Lending

December 5, 2022

Reports

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Report: How GSE Note Sales Undermine Homeownership

January 30, 2023

Toxic Transactions: How Land Installment Contracts Once Again Threaten Communities of Color

July 14, 2016

Opportunity Denied: How HUD’s Note Sale Program Deprives Homeowners of the Basic Benefits of Their Government-Insured Loans

May 2, 2016

Issue Briefs

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Contracts That Offer Homeowners Cash for Home Equity Can Be Riskier Than They Look

January 9, 2023

The LIBOR is Ending: What Consumers Should Know

May 27, 2022

Why Title Reviews Should Not Create Unnecessary Barriers to HAF Assistance

August 1, 2021

Why Homeowner Assistance Fund Programs Should Be Accessible to Homeowners in Bankruptcy

July 1, 2021

Homeowners Need a Homeowner Assistance Fund and Additional Relief to Prevent a Coming Foreclosure Crisis

January 1, 2021

Stabilizing Consumer Finances During and After the Coronavirus Crisis in California

May 19, 2020

Ohio’s New Residential PACE Programs Need Strong Consumer Protections to Prevent Homeowner Abuses

October 29, 2019

Guide for Homebuyers: Tips for Getting a Safe Mortgage You Can Afford

December 1, 2015

Testimony

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The LIBOR Transition: Protecting Consumers and Investors

November 2, 2021

Press Releases

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Fannie Mae/Freddie Mac Note Sales Undermine Homeownership

January 30, 2023

Updated Credit Scoring Models Will Benefit Borrowers

October 24, 2022

Advocates Applaud Federal Housing Finance Agency’s Move to Require Mortgage Lenders to Obtain Applicants’ Language Preference

May 3, 2022

NCLC’s Pizor Applauds CFPB Final Rule to Facilitate the Transition from LIBOR

December 7, 2021

NCLC’s Pizor Urges Protections for Borrowers With Adjustable Interest Rate Loans in Senate Testimony

November 2, 2021

CFPB Revamp of Mortgage Rules Will Protect Lenders from Legal Liability for Peddling Unaffordable Loans, Increase Foreclosures, and Create Instability in the Mortgage Market

December 10, 2020

LDF, ACLU of Michigan, National Consumer Law Center, and Michigan Poverty Law Program File Class Action Fair Housing Lawsuit Against Vision Property Management for Targeting Black Homebuyers in Home Purchase Scheme

September 29, 2020

HUD Guts Civil Rights Rule Used to Address Systemic Discrimination in the Housing Market on the Dawn of an Eviction and Foreclosure Crisis

September 8, 2020

FHFA’s Delay of Fannie & Freddie Mortgage Refinancing Fee is a Necessary Yet Utterly Insufficient Step for Struggling Homeowners

August 26, 2020

From the NCLC Digital Library

Mortgage Lending

NCLC’s continuously updated treatise on origination, preemption, and litigation. Including new underwriting standards, automated valuation, and the ability-to-repay requirement, changes to uniform residential loan applications, and more.

Read Chapter One

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