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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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Fact Sheet: Protecting Homeowners from Zombie Second Mortgages

February 20, 2025

Fact Sheet for Regulating Shared Appreciation Mortgages; Massachusetts HD3988 / SD913

February 18, 2025

Testimony Against Washington State HESA Bill HB 1464

February 14, 2025

The CFPB: Promoting a Stable Housing Market

January 28, 2025

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

January 22, 2025

Hodges v. NewRez, LLC d/b/a Shellpoint Mortgage Servicing and The Bank of New York Mellon

January 21, 2025

Joint Letter Regarding Veterans Affairs Servicing Purchase

January 17, 2025

Checklist for Identifying a Zombie Second Mortgage

January 7, 2025

What States Can Do To Help Struggling Consumers

January 2, 2025

Comments & Letters

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Joint Letter Regarding Veterans Affairs Servicing Purchase

January 17, 2025

Joint Industry and Advocacy Comment on Draft FHA Handbook

December 20, 2024

NCLC/CRL Comments in Response to Draft Handbook 4000.1

December 20, 2024

Comments to Massachusetts Division of Banks on Proposed Amendments to Debt Collection and Mortgage Servicing Rules

November 12, 2024

Comments to HUD’s Proposed Guidance on Partial Claims and Payoffs

October 10, 2024

Comments to HUD’s Proposed Note Sale Rule

September 16, 2024

Comments on HUD’s Handbook for Modernization of Engagement with Borrowers in Default

September 13, 2024

Comments to CFPB Regarding Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties; RESPA Regulation X

September 9, 2024

Coalition Letter to CFPB on Streamlining of Mortgage Servicing

September 9, 2024

Reports

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

September 24, 2024

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

September 17, 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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Fact Sheet: Protecting Homeowners from Zombie Second Mortgages

February 20, 2025

Fact Sheet for Regulating Shared Appreciation Mortgages; Massachusetts HD3988 / SD913

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

How States Can Protect Homeowners Facing Zombie Second Mortgages: Suggested Language for a Second Mortgage Foreclosure Bill

November 26, 2024

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

October 21, 2024

2025 Consumer Protection Federal Priorities

October 21, 2024

Myths and Facts About Ways to Increase Small Dollar Mortgage Lending 

August 9, 2024

Testimony

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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

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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

NPR: Massachusetts is going after a company collecting on ‘zombie second mortgages

November 1, 2024

What the Heck, Dude! New Report Focuses on How States Can Fight Rental Housing Junk Fees

September 5, 2024

NCLC Co-Director of Advocacy Testifies at CFPB Field Hearing on Abusive Land Contracts

August 13, 2024

Legislation to Reduce Property Tax Foreclosures Clears Budget Hurdle

July 22, 2024

CFPB Proposed Rule Requiring Language Access in Mortgage Servicing Will Help Homeowners Avoid Foreclosure

July 11, 2024

Consumer and Industry Advocates Highlight Measures to Counter Rise in Elder Real Estate Fraud and Financial Exploitation

June 14, 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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