Case Study How Self-Help Is Expanding Mortgage Credit Access and Mitigating Risk in Mortgage Reserve Accounts
A Housing Innovation Program Case Study
Amalie Zinn, Michael Neal
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Given that homeownership has been and continues to be the largest vehicle for wealth accumulation in the United States, reducing both the racial homeownership gap and the racial gap in returns on homeownership is critical to reducing the racial wealth gap writ large. This case study focuses on the Center for Community Self-Help (hereafter, Self-Help), a nonprofit umbrella organization for a credit union, a federal credit union, a ventures fund, and a nonpartisan research organization. Self-Help is innovating in the housing and mortgage system to create opportunities for affordable homeownership, especially for Black and Latino homebuyers. We focus on how Self-Help has implemented two new mortgage products—Equity Boost and Savings Account for Emergencies (SAFE)—and identify the promise and potential risks to the program’s success and expansion. 

Research Areas Housing Housing finance
Policy Centers Research to Action Lab Housing Finance Policy Center
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