Find Verified Loan Assistance with Equity Certified
What is Equity Certified and Equity Certification?
Equity Certified is a program of Homeownership Council of America (HCA), its a certification that ensures lenders and nonprofits offering Affordable loan programs, Special Purpose Credit Programs (SPCPs), and Down Payment Assistance programs are verified and committed to increasing access to credit for underserved communities.
With Equity Certified programs, you can trust that these financial assistance options are designed to help those who have historically faced barriers to credit and homeownership.
How Does the Equity Certification Benefit You?
+ Easier Access to Verified Loan Programs – Find home loans, down payment assistance, and other financial support that have been vetted for their commitment to fair and equitable lending.
+ More Transparency in Lending – Equity Certification ensures programs follow the Equal Credit Opportunity Act’s provisions, making it easier for you to identify trusted lenders.
+ Searchable National Database – Instantly find Equity Certified lenders offering credit solutions tailored to your needs.
Who Provides Equity Certified Programs?
The following lenders and nonprofits offer certified programs designed to serve you:
+ Banks
+ Independent Mortgage Banks (IMBs)
+ Credit Unions
+ Community Development Financial Institutions (CDFIs)
+ Nonprofit Organizations
Why Equity Certification Matters
Many communities, particularly Women, Veterans, Black, Indigenous, and People of Color, and other underserved groups, face persistent wealth and homeownership gaps. Equity Certified programs help bridge these gaps by providing home loans, small business financing, and consumer credit programs that increase approval opportunities.
Looking for Home Loan & Credit Assistance?
With Equity Certified lenders, you can explore programs that increase your chances of approval and help build generational wealth.
Find an Equity Certified Lender Today!
Equity Certified is a flagship program of Homeownership Council of America (HCA)
HCA's mission is to build more equitable access to credit for America's underserved communities.
We envision a future without wealth gaps where the American Dream of home and business ownership thrives and is achievable for all.
HCA is a national 501(c)3 Nonprofit Organization and Subject Matter Experts in Special Purpose Credit Programs & Affordable Lending Solutions.