Home Lending That Works

The center's long-term study of homeownership reveals how successful affordable mortgages are made. Learn more

Turning Tax Refunds into Savings

The center's evaluation of the $aveNYC program shows how tax refunds with a savings match can help low-income taxpayers start saving and continue. Learn more

Home Energy Efficiency Reduces Mortgage Risk

Researchers find default risk one-third lower for owners of energy-efficient homes and recommend policy and regulatory changes that reflect it. Learn more

Rebuilding the Mortgage Market

Center researchers explain what caused the foreclosure crisis and recommend how to rebuild a safe, sound and vibrant housing finance system. Learn more


Consumer Financial Services
Published Article – Peer Reviewed | July 16, 2014
The Community Empowerment Fund: A Matched Saving Model as an Innovative Approach to Housing the Homeless
Mortgage Finance
Published Article – Peer Reviewed | May 7, 2014
Bankruptcy during Foreclosure: Home Preservation through Chapters 7 and 13
4-14 Homeownership and Wealth
Mortgage Finance
Working Paper | April 2014
Low- and Moderate-income Homeownership and Wealth Creation


HAWK Comment 7-14-14
Mortgage Finance
Testimony | July 14, 2014
HAWK for New Homebuyers
Roberto G. Quercia, Janneke Ratcliffe
Comment to the U.S. Department of Housing and Urban Development
Quercia Future of HO 5-14-14
Mortgage Finance
Presentation | May 14, 2014
The Future of Homeownership
Roberto G. Quercia
Federal Reserve Bank of Philadelphia, Philadelphia, Pa.
4-3-14 SJR Mobility ARES
Mortgage Finance
Presentation | April 3, 2014
House Price Dynamics, Unemployment, and the Mobility Decisions of Low-Income Homeowners
Sarah F. Riley, Giang Nguyen, Kim Manturuk
American Real Estate Society Annual Meeting, San Diego, Calif.
Mortgage Finance
Presentation | March 21, 2014
Modifications versus Foreclosures: Effects on Habitat and Health
Mark R. Lindblad, Yutuan Gao, Ali Browning
Urban Affairs Association 44th Conference, San Antonio, Texas


Janneke Ratcliffe image
September 9, 2014
The center hosts a panel of national mortgage finance experts sharing insights on the policy outlook for mortgage credit at the 2014 American Mortgage Conference on Tuesday, Sept. 9, 2:35-3:20 in Raleigh, N.C.
Janneke Ratcliffe image
September 16, 2014
Janneke Ratcliffe joins a panel discussing mortgage credit in a tight credit environment and steps to improve access at the BPC Housing Commission summit.

The UNC Center for Community Capital conducts research and policy analysis on ways to make financial services work better for more people and communities.


© 2014 UNC Center for Community Capital
1700 Martin Luther King Blvd., Suite 129 • CB#3452, Chapel Hill NC 27599-3452 • 919.843.2140 • 877.783.2359 • communitycapital@unc.edu