Richard Ferguson is president of CBC Mortgage Agency, a nationally chartered housing-finance agency and a leading source of downpayment assistance. The company is committed to creating affordable- and sustainable-housing solutions to underserved communities, particularly minorities and millennials, who have good credit and good income but lack the funds for a downpayment. Since 2013, CBC Mortgage Agency has helped more than 18,000 low income consumers achieve the dream of homeownership.