Homeownership has been proven to create stronger families and benefit communities by fostering stability, integrity and economic growth. Changes over the last decade in the availability of flexible lending products has created an opportunity for thousands of low-income families to own their own homes, begin to create family assets and become stakeholders in the future of their communities. Homeownership programs are increasingly an essential component of an effective community-development strategy. NeighborWorks America's training division has designed a curriculum that focuses on the implementation and development of successful homeownership programs.