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Creating Municipal Loan Programs to Save Inner-City Owner-Occupied Housing

By Ronald Kaye & Tray Smith

During the last ten years, inner-city, low-income, elderly, and minority homeowners have been losing their homes through foreclosure in record numbers. More often than not, these homeowners are the victims of con games. This column outlines a process for developing loan programs in partnership with a local government entity and describes the new and existing loan programs adopted to assist low-income homeowners.

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