Before HFC Bank began writing home financing loans, Ghanaians typically saved their entire lives to purchase a home. HFC Bank changed that. Writing Ghana’s first mortgages served as the big bang that created a housing industry boom. Fifteen years ago when HFC Bank first opened its doors, the Developers Association of Ghana had 26 members. Today they have 400. With housing loans assured, the market grew for builders, architects, home furnishing stores, and more.