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And consumers gorged on the equity in their homes , taking out a total of $ 2 trillion via loans , refinancings , and sales over the past five years . Communities can facilitate adaptive reuse by developing flexible ordinances to facilitate adaptive reuse , by arranging for possible property transfers of publicly-owned buildings , and by providing assistance in obtaining sources of funding such as loans , grants , and rent subsidies . FinAid offers free information about scholarships , loans , savings , and military aid . The CDFI Fund provides assistance to certified CDFIs in a variety of forms , including equity investments , deposits , loans , grants , and technical assistance . The amounts at risk include both the principal of loans , bonds , and other forms of credit and the value of income streams from a variety of fee services that have become a key component in financial services income . These alternatives may include establishing loans , fellowships , and scholarships to students , and grants to departments which offer relevant course work .