The Equitable Homeownership Collaborative (EHC) launched the Inspire100 mortgage pilot to catalyze systems change in the mortgage market, connecting the financial pipes to underserved communities and helping families in these neighborhoods achieve homeownership.
In this report, the Urban Institute documents the Inspire100 mortgage’s theory of change and logic model, the evidence base for the Inspire100 mortgage, and implementation hurdles and solutions the EHC used to address challenges. We also document early trends in mortgage lending and performance and discuss a forward-looking agenda, including opportunities to sustain and expand the pilot.