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The non-profit helps drive economic development and strengthen communities by financing hundreds of homebuyers each year, as well as funding nonprofits, child care centers, community health facilities, public charter schools, and residential and commercial real estate projects.

Excessive borrowing against a line of credit could get somebody into financial trouble just as folks can get in trouble if they continue racking up credit card debt," she says.

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However many people, especially those who have bad credit find a secured loan option impossible for fear if they do not pay back the loan, they will lose the assets, whether it be their house or car.

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He argued that technical change, institutional moves and deregulation had made the financial system unstable.

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