Building the Path to Global Prosperity

A Center-JPMorgan Chase report explains how financial insecurity harms employers, taxpayers and the economy as well as families. Learn more

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


Education & Economic Mobility
Research Report | August 2014
Bridges2Success Scholar Athlete Support Program
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


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.


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