PALIO
PIMFA creates a new generation of financial tools that optimize Community ROI, mitigate risks, and scale funding solutions.
PIMFA’s initial focus is affordable homeownership.
The challenge
For decades, over $90 billion in direct and indirect, U.S. housing subsidies have supported renting, not owning. Millions of low-wealth families remain locked out of neighborhoods that drive upward mobility—places linked to better schools, health, and lifetime earnings. With many traditional affordable-housing models, families build no equity, communities lose talent, and taxpayers see no lasting return - all of which can preserve poverty instead of reduce it.
Our approach
Mobility and Home Ownership Program (MHOP)
PIMFA’s flagship program, MHOP restructures the capital flows behind affordable housing, rejecting the long-standing assumption that “renters must always be renters.” MHOP repurposes government savings and funds conventionally used to support renters and affordable housing programs to unlock homeownership for low-wealth families. In doing so, MHOP breaks the intergenerational reproduction of poverty by catalyzing economic mobility.
How you can help
"Rent to Roots"
Participate in our crowdfunding campaign!
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The MHOP Solution
MHOP, a protective lending program, partners with local governments and agencies to provide < 80% AMI families homeownership in high mobility neighborhoods.
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PIMFA’s Mobility & Homeownership Program (MHOP) redesigns the system from the ground up. Through its proprietary Mobility Catalyzing (“MobiCat”) Mortgages™, MHOP creates custom mortgages that meet low income borrowers where they are. By accounting for unconventional income and various direct and indirect assistance programs, PIMFA creates stable, protective homeownership for families earning ≤ 80% AMI.
Each pilot mortgage is structured for affordability (<30% of income) and embedded in a randomized control study measuring health, education, and income mobility. Research design and evaluation are conducted in collaboration with leading university experts in poverty and mobility analysis.
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Why Now
Mortgage rates and subsidy inefficiencies have made low-income homeownership nearly impossible—yet stable homeownership is known to be one of the most powerful mobility and wealth generating engines available. By joining this pilot phase, supporters help demonstrate a replicable, data-verified model that can unlock Community Reinvestment Act (CRA)-motivated bank capital, foundation PRIs, and outcomes-based financing nationwide.
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Join the Movement
Be among the first to prove that housing policy can create wealth, not dependency.
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Your contribution fuels both families and data. Every dollar moves two things forward: (1) A family closer to homeownership through a pilot mortgage, and (2) One data point closer to systemic reform, proving that homeownership generates measurable social and fiscal returns (Community and Government ROI).
All gifts flow through PALIO Impact Funding Accelerator (PIMFA), a 501(c)(3) nonprofit, providing charitable receipts or PRI documentation.
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Donate or invest: Click here
Contact: info@pimfa.org