A housing unit is a capital asset in a fixed location. Therefore, housing every family is a social justice issue in a capitalist economy. Housing needs must also be met as essential capital assets to ensure social justice beyond the traditionally charitable assistance of helping one another to meet some essential needs for individual well-being. Although the public is not responsible to house every person, some public assistance or leverage is needed to meet individual housing needs in a decent home. Before the housing industry became financially engineered through homeownership mortgage loans, families were used to helping one another to have homes. Leveraging one another through home mortgage loans has become the common practice in local housing marketplaces across the United States. Therefore, it must be public policy to ensure that every family has equitable access to local housing marketplaces to meet the essential needs. Conceptually, mortgage loans are invaluable communal strategies for the mutual benefits of leveraging one another to meet housing needs as capital resource assets. In practice, the housing finance system is helping families to improve their living conditions and build personal wealth. Although low-income households are inadvertently excluded from the communal strategy in public policy administration, every family deserves to be equitably leveraged to meet housing needs. The communal strategies are for mutual benefits. To ensure social justice, mutual benefits should not be taken for granted. However, the mutual benefits are commonly misunderstood even in academics as well as among policymakers.

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