This program is actually a mortgage that happens to be taken out by a member of a minority group, such as an African-American individual. The federal government regulates lending practices and works toward ensuring nondiscrimination. However, in some under served communities, language and cultural barriers between potential consumers and the professionals they must interact with to secure their minority home loans are difficult to overcome. Reputable lenders who specialize in minority home loan programs are cognizant of these obstacles and make extra efforts to work around them. They collaborate with local community leaders, housing experts, and business associates to increase home ownership levels in minorities.