Housing every family is a social justice issue in a capitalist economy. Beyond the traditionally charitable assistance of helping one another to meet some essential needs for individual well-being, housing needs must also be met as essential capital assets to ensure social justice. While the public is not responsible to house every person, individual housing needs cannot be met without some public assistance or leverage. Families were used to helping one another to have decent homes before financial engineering of the housing industry. Local housing marketplaces have evolved into leveraging one another through home mortgage loans in the United States. Therefore, public policy must ensure that every family has equitable access to local housing marketplaces to meet the essential need. Mortgage loans could be conceptualized as an invaluable communal strategy for the mutual benefits of leveraging one another to meet housing needs as capital resource assets. The housing finance system is helping families to improve their living conditions and build personal wealth. Every family deserves to be equitably leveraged to meet housing needs, but low-income households are inadvertently excluded from the communal strategy. The mutual benefits of the communal strategy are social justice issues, though commonly taken for granted or misunderstood even in the academics as well as policymakers.