Common sense home
financing that reaches
beyond credit scores.

The Interagency Home Finance Cooperative (”IHFC”) is an Instrumentality of Government and a cooperative of U.S. government housing agencies providing home financing solutions for households across America.

Bi-partisan leadership with a focus on innovative housing solutions is being provided through think tanks, such as the J. Ronald Terwilliger Foundation for Housing America's Families. Federal agencies, state and local government, and seasoned housing leaders are scouring the country for scalable housing finance programs that can have broad impact on the creation of housing opportunities from rental to homeownership.

The IHFC believes that wealth generation through homeownership is key to the core success of the U.S. economy. The Joint Center for Housing Studies found that for those who owned a home in 1999 but were renting in 2009, median net wealth declined by $44,000, erasing approximately 80 percent of net wealth. However, for those who successfully moved from renting to homeownership over this same time period, wealth increased by $86,300, a ten-fold increase.

Providing responsible home financing programs for American households to engage in homeownership should be one of America's top priorities. Not taking action is irresponsible.

Enter the Interagency Home Finance Cooperative and its Partnership with Trio

For over a decade, this team has demonstrated that effective lease-to-own, seller-financing and down payment assistance coupled with licensed mortgage lenders and HUD approved counseling can scale and increase homeownership rates across the country.