Closing the Gap in Homeownership -- Re-writing the Rules Against Mortgage Discrimination. Now available in print and ebook.

Closing the Gap lights the way for homebuyers to step beyond bias and reach toward equitable homeownership. This book was written to empower people to speak up and self-advocate, with all the resources future homebuyers need, including noncitizens and people seeking more flexible credit and approval terms.

Readers will discover what's being done by federal watchdogs to stop modern-day redlining and recent call to action rulings by enforcement agencies.

Packed with eye-opening facts about gaps in wealth and home equity, this book is valuable resource for housing advocates, realtors, and mortgage lenders.

Thoroughly referenced with over 100 citations, the book includes key statistics for all 50 states on the rate of homeownership and mortgage denials by race and ethnicity.

Other state charts list home appreciation trends, appraisal valuation metrics, and expanded state legislation to protect consumers based on income, ancestry, and LGBTQ+ status.