Partnership Makes an Impact One of our Secondary Market partners is New Mexico-based Homewise, which sells loans to Self-Help and also services those loans. In 2018, no Homewise loans had late payments of 60 days or more, an extraordinary achievement. Homewise CEO Mike Loftin credits this to the common value shared by his organization and Self-Help: “It’s the care of people, of people’s lives, that really matter.” (Photo courtesy of Homewise.) A History of Wealth-Building We are continuing our secondary market program today because experience shows it works. In our first secondary market initiative, the Community Advantage Program (CAP), we facilitated more than $4.5 billion in financing to over 50,000 homebuyers in 48 states. Research by the UNC Center for Community Capital concludes that the CAP program—which also included low down payment loans paired with responsible underwriting—resulted in sustainable homeownership. In fact, by 2012, families who became homeowners through CAP had gained, on average, nearly $22,000 in equity. This shows that responsible mortgages made a positive difference in building a stronger financial future for these low- and moderate-income families.