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We are advancing a wealthier future for all Americans through innovative programs, partnerships, and products.


Homeownership Council of America (HCA)

Our Mission

We envision a future without wealth gaps for all communities and where the American Dream thrives to support future generations. 


We work to ensure that America’s consumers have access to the programs and products that overcome traditional barriers to credit, affordability, and the opportunity to achieve homeownership.

Find out more

Our Programs

CLIMB with HCA; Support for Lenders

CLIMB with HCA; Support for Lenders

CLIMB with HCA; Support for Lenders

Strategic planning and affordable product implementation for leading lenders, homebuilders, program providers, investors and CDFIs.

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National DPA Solutions

CLIMB with HCA; Support for Lenders

CLIMB with HCA; Support for Lenders

Economically disadvantaged communities and first time homebuyer focused funds, designed to be consistent, impactful, open to all, and to reach scale. 

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CDFI Supports

CLIMB with HCA; Support for Lenders

CDFI Supports

HCA helps with contract underwriting, compliance, technology, and strategic management services, from DPA to 1st Mortgage Lending.

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Homeownership Council of America

National Nonprofit


As a 501c3, we serve our mission by providing unique services and product solutions for mortgage lenders and investors, along with other nonprofits & CDFIs supplying access to credit for the underserved.

Uniquely Experienced

Our leadership team and SMEs bring over 100 years of combined mortgage lending & compliance experience. This mortgage experience is complemented by a long history of nonprofit housing, HUD-approved services, CDFI management, and Special Purpose Credit Programs (SPCP).

Effective and Impactful

We have transformed each organization we work with, bringing them valuable knowledge, concrete processes, enhanced product offerings, and a better-prepared team. We facilitate growth and success.

Thank you to our EQUITY donors & CLIMB partners!

PARTNER HIGHLIGHT

We're proud to partner with realtor.com and raise awareness of this important subject that affects first-time home buyers.

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