The official HOME campaign logo featuring the UnidosUS logo in red and grey over HOME in dark blue, with the 'O' in the shape of a house with a red roof and chimney. The phrase "Home ownership means equity" is below.

Transform the economic trajectory of Latinos by advancing systemic change to enable the creation of 4 million new Hispanic homeowners by 2030.

For the last 8 years, Latinos have been the only demographic to experience consistent growth in their homeownership rate


Between 2020 and 2040


of net new homeowners will be Latino.

Latino homeowners have


the wealth of Latino renters.

Today, almost


Latinos are mortgage ready.

How we're moving Latino homeownership forward

We are uniquely positioned to achieve our goal by combining our reputation and expertise across programs, policy, community outreach, and national partnerships.

Systems change

By working with policymakers, we will identify solutions that support Latino homeownership. Our policy agenda focuses on improving homebuyer readiness, expanding access to credit, increasing housing supply, preserving homeownership, and increasing Latino representation in housing leadership roles.

Communications strategy

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Building and sharing the Latino homeownership story will inspire consumer awareness and behavior as well as recruit allies in the industry, government, and general public. Interest in the impacts of Latino homeownership on the U.S. economy is key to systemic change.

Test and scale solutions

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Collaboration with trusted leaders of our nearly 300 Affiliates across the nation will enable us to conduct community outreach, utilize thoughtful insights, connect with local and state policymakers, and generate the high-momentum needed for transformational change.

Targeted investments

Our first cohort of the HOMEownership Solutions Network will allow us to test approaches for expanding Latino homeownership, invest in Latino housing initiatives, and train more housing counselors and financial coaches through the UnidosUS Learning Alliance.

Research and data

Data analytics will validate high-impact interventions and develop evidence-based recommendations, monitor efforts and impact, and conduct a multi-year research agenda in partnership with academics, industry thought leaders, and researches nationwide.


I work in

Invest in bold housing policies to increase Latino homebuyer readiness

Improve homebuyer readiness

Nearly 8M Latinos are mortgage-ready despite substantial structural barriers to wealth. It’s up to Congress to increase funding for housing counseling programs that improve homebuyer readiness.

A photograph of the Capitol building against a clear sky.

Eliminate barriers to credit access for Latinos to facilitate the home buying process

Expand access to credit

The more access Latinos have to responsible, non-predatory lending opportunities, the more Latinos can contribute to our nation’s economy and social fabric as homeowners.

A black and white photograph of an African-American couple smiling and shaking the hand of a man whose back is to the camera.

Promote policies and incentives that increase housing supply for Latino homebuyers

Increase housing supply

Nearly 8M Latinos are mortgage-ready, but lack of housing stock nationwide dramatically impacts the market for prospective Latino homeowners.

A black and white photograph of rows of tightly packed two-story homes.

Safeguarding the economic progress of Latinos through homeownership

Preserve homeownership for Latinos

To preserve homeownership for Latinos, we need public policies that eliminate appraisal bias and facilitate the inter-generational transfer of wealth.

A black and white photograph of a woman, out of focus, holding a set of keys with a house shaped keychain, in focus, in front of the camera.

Preparing millions of Latino homebuyers and increasing homeownership opportunities

Improve homebuyer readiness

Latinos can sustain homeownership opportunities if we increase the visibility of first-time homebuyer programs and housing counselors, particularly in high-cost markets.

A photo of a couple sitting on the grass in front of a brick house with two hairy dogs.

Nearly 8m Latinos are mortgage-ready today

Expand access to credit

As the median Latino credit score continues to increase, a focus on financial education and credit will propel Latino homeownership for generations.

A black and white photograph of a close up of a laptop and a person holding a credit card while typing on the keyboard.

Innovative housing construction solutions will advance our housing market

Increase housing supply

While Latinos are the largest near mortgage-ready population of any racial or ethnic group nationwide, many live in areas with high rates of housing underproduction.

A black and white photograph of scaffolding for a construction project against a clear sky.

Latinos can achieve homeownership and spur generational wealth

Preserve homeownership for Latinos

Latinos are essential to the future of our nation’s housing market and economy, which is why implementing strategies to preserve Latino homeownership is critical.

A black and white photograph of a couple standing and holding a toddler on either side as they go down a slide on a playground.

Improving Latino homeownership readiness is an investment in our nation

Improve homebuyer readiness

To significantly increase the Latino homeownership rate over the next decade we must modernize regulations to incent responsible innovations for increasing home buying opportunities.

A photograph of the front façade of a two story home with shrubs and plants in front of it.

Potential Latino homebuyers need access to non-predatory banking opportunities

Expand access to credit

Creating pathways for mortgage-ready Latinos to build credit and get approved for sustainable mortgage loans allows more Latinos to contribute to our economy and social fabric.

A black and white photograph of a close up of hands exchanging a credit card.

Our nation's housing market is increasingly intertwined with the success of Latinos

Increase housing supply

Many mortgage-ready Latinos live in areas with high rates of housing underproduction, We need recommendations on housing supply reforms to sustain our nation’s economy and housing market.

A black and white aerial photograph of houses in a suburban area.

Our economy's stability is increasingly intertwined with the success of Latinos

Preserve homeownership for Latinos

Preserving Latino homeownership be decreasing appraisal bias, making renovation loans accessible, and facilitating the inter-generational transfer of wealth is essential as the Latino population grows.

A black and white photograph of an older couple smiling, sitting on a blanket in the grass and a child running toward them, the woman's arms are outstretched.

Prepare Latino homebuyers and help grow our nation's economy and social fabric

Improve homebuyer readiness

Latinos are essential to the future of our nation’s housing market and economy. It’s critical to develop and implement strategies that improve Latino homebuyer readiness.

Aerial photograph of symmetrical houses in neat rows.

Expand access to credit for Latino homebuyers to advance our national economy

Expand access to credit

Latinos experience higher rates of loan application denials than White applicants, creating an unnecessary barrier to the only demographic in the nation proven to increase their homeownership rate consecutively.

A black and white photograph of a couple sitting on a couch, the woman has her arm around a man who looks off to the side worriedly.

Innovate housing construction solutions to advance Latino homeownership

Increase housing supply

Latinos are essential to the future of our nation’s housing market and economy. Yet, many live in areas where the housing stock is low, rendering prospective homebuyers struggling to find affordable, existing homes.

A black and white photograph of a construction worker's work belt.

Support efforts to preserve Latino homeownership and our nation's economic stability

Preserve homeownership for Latinos

As the Latino population grows, our economy’s long-term stability is increasingly intertwined with their success. Homeownership remains the primary driver of generational wealth– The market must be responsive to the next generation of homeowners.

A black and white photograph of a man wearing a newsboy cap looking at a pregnant woman who is looking up at him and smiling.

Why we're leading this effort

Our expertise


Our Esperanza Hope for All campaign’s comprehensive efforts reached more than 24 million individuals in 2021 and helped the Latino community exceed vaccine parity during the COVID-19 pandemic. Further, the ¡Adelante! 2020 campaign registered 127,000 voters, reaching over 45 million individuals across digital platforms.

A black and white screenshot of the Esperanza Campaign digital toolkit, with a black and white photo of a woman wearing a mask and holding a brochure layered on top.


Through the Raza Development Fund (RDF), a UnidosUS support corporation and the largest Latino-serving Community Development Financial Institution in the country, we have deployed much needed capital in Latino communities, including investments in creating affordable housing.

Since its inception, RDF has provided organizations serving Latino families in 38 states with technical assistance and financings In excess of $1 billion, which have leveraged over $5 billion in private and public capital for education, childcare, affordable housing, social services projects, and more.

The cover of the "The Raza Development Fund" brochure in black and white.


UnidosUS has nearly 300 community-based Affiliate organizations that directly serve the Latino population across the country. Our Affiliates know firsthand the practical concerns and issues that affect their constituencies and work with us to implement innovative solutions to address them.

A black and white screenshot of the UnidosUS affiliate map.


For more than 25 years, UnidosUS has operated one of the largest HUD-certified housing counseling networks, with nearly 50 housing counseling agencies in 27 states and a nationwide call center.

A black and white photograph of members of Neighborhood Housing Services standing on a porch with an African-American couple.

Our partners

We’re partnering with organizations who are dedicated to increasing Latino homeownership.

Wells Fargo

The Wells Fargo logo

Wells Fargo is an anchor funder and champion of the UnidosUS HOME initiative. Wells Fargo is committed to working with UnidosUS, our partners, and our community to help launch and execute a national campaign to support the creation of 4 million new Latino homeowners by 2030.

Urban Institute

Urban Institute logo

UnidosUS is partnering with the Urban Institute, an independent nonprofit research organization, on the Home Ownership Means Equity (HOME) initiative. The Urban Institute will provide research and data analytics to inform and assess the HOME initiative’s goal to increase the Latino homeownership rate and enable 4 million more Latino households to become homeowners by 2030

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