One way to increase families' buying and borrowing power is homeownership education and counseling. Pre-purchase homeownership education helps families navigate the complicated home-buying process and improve their credit and debt profile so they can access more private-market mortgage capital at reasonable rates. It is important to marry this "pre-purchase" strategy with a "post-purchase" homeownership education and counseling strategy designed to help existing homeowners retain their homeownership status in the face of confusing mortgage products, home maintenance challenges, rising interest rates, and rising property tax bills. Especially in light of the rising use of complex adjustable-rate and non-conventional mortgage products, the longevity of families' buying and borrowing power may be at risk without foreclosure prevention programs designed to help keep them in their homes. Finally, communities can help families afford the full costs of their homes by reducing the amount of money families spend on home energy needs.