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Americans are awash in debt, and the U.S. economy is in trouble. Credit undergirds daily life more than ever it has become one of the defining aspects of American life, and the ramifications are becoming clearer by the day.

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A generation ago little attention was focused on low-income homeownership. Today homeownership rates among under-served groups, including low-income households and minorities, have risen to record levels.

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The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation.

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Rental housing is increasingly recognized as a vital housing option in the United States. Government policies and programs continue to grapple with problematic issues, however, including affordability, distressed urban neighborhoods, concentrated poverty, substandard housing stock, and the unmet needs of the disabled, the elderly, and the homeless.

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Poor people spend their money living day to day. How can they accumulate wealth In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity.