Factors that have affected LMI families' financial conditions for good

• Increased nonprofit partnerships
• Increased attention to organizational capacity building and best practices
• American Recovery and Reinvestment Act (ARRA) funds, Neighborhood Stabilization Program (NSP) and Homelessness Prevention and Rapid Re-housing Program (HPRP)
• Housing is more affordable
• Many households have deleveraged
• Recent drop in unemployment rates
• Healthcare reform
• Unemployment extensions
• Earned Income Tax Credit (EITC) program
• Low-income Housing Tax Credit (LIHTC) program