NHSA recognized the potential downside of aggressive lending practices and began to develop responsible lending alternatives and the technology to bring these alternatives to fruition.

State Farm stepped in early in this process to provide seed money to NHSA to develop a web portal that would revolutionize the delivery of more responsible loan products.   This led to the e-commerce initiative and the creation of NHSA's nonprofit subsidiary, Just Price Solutions, through which community development loans can be approved, packaged, closed and purchased from the loan funder — without the need for one piece of paper to leave the originator before the loan leaves the closing table.

First American Corporation's ANTHEM technology was then digitally connected to Just Price's technology platform to provide the only automated alternative credit analysis and validation in the nation.

Just Price loan products benefit from the strength of the loan servicing capacity of a industry leader- CitiMortgage (a division of Citi) — enhanced by loss mitigation and special servicing by Neighborhood Housing Services of America ® (NHSA) for delinquent borrowers.

Social Compact is a coalition of business leaders from across the United States promoting successful business investment in underserved communities. Social Compact's DrillDown information tools provide accurate, asset-based assessments for critical community economic indicators of market size, strength, and stability as a resource to government decision-makers, community organizations and the private sector to stimulate investment and attract needed capital to lower-income communities. Dedicated to R-Home's mission to increase homeownership and build wealth in these communities, and building on the unique R-Home alliance, Social Compact is facilitating strategic public-private partnerships throughout its extensive network of local government and community partners to help deliver on the promise of sustainable homeownership and neighborhood serving retail.

Community minded mortgage insurance companies, MGIC and The PMI Group joined the collaboration to provide discounted lender paid mortgage insurance — a key affordability component to Just Price loan products.