The Institute for Community Economics is a federally certified Community Development Financial Institution that makes loans for permanently affordable housing across the United States. ICE is the originator of the community land trust (CLT), a housing model that develops equity for homeowners while preserving public subsidy and affordability in perpetuity. ICE’s revolving loan fund has been providing financing for over 30 years. Since its creation in 1979, ICE has loaned $44 million, representing more than 445 loans to community organizations in 30 states and facilitating the development of more than 4,500 housing units. ICE’s principal lending goes to community land trusts, limited equity cooperatives, and community-based nonprofit organizations creating housing that is permanently affordable to people with lower incomes.