Housing policy since the 1930s has promoted homeownership as a primary means for Americans to build financial security. Yet many policies and practices adopted to guide mortgage lending limit access to this key wealth-building tool for low- and moderate-income households and communities of color. The center’s research on low-income and minority homeowners and renters identifies specific lending practices that enable people to become successful homeowners, demonstrate their creditworthiness, and document the market opportunity that low-income borrowers offer the housing finance industry.

Find out more about our signature housing study, the Community Advantage Program Study.