The First American Corp., a financial and real estate services company based in Santa Ana, Calif., and the Greenlining Institute, a San Francisco coalition of consumer, church, civil rights, and business groups, have joined forces to extend homeownership opportunities to minorities and low- and moderate-income families. The five-year project will feature discount closing-cost programs and alternative credit evaluations. For example, lenders will look at rental and bill payment histories as opposed to making strict financial determinations.