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


4-14 Homeownership and Wealth
Mortgage Finance
Working Paper | April 2014
Low- and Moderate-income Homeownership and Wealth Creation
Mortgage Finance, Research Design
Technical Report | April 2014
Community Advantage Panel Survey Technical Sampling Report: Owners 2003-2013
Mortgage Finance, Research Design
Technical Report | April 2014
Community Advantage Panel Survey Technical Sampling Report: Renters 2004-2013


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
State FHA Post Reform
Mortgage Finance
Presentation | February 20, 2014
Challenges and Opportunities: State Housing Finance Agencies Post Housing Finance Reform
Roberto G. Quercia
Southern Municipal Finance Society Public Policy and Municipal Finance Conference, Charlotte, N.C.
Serious Delinquency SSWR 1-17-14
Mortgage Finance
Presentation | January 17, 2014
Serious Delinquency and Strategic Default among Low-Income Urban Homeowners
Sarah F. Riley
Society for Social Work and Research 2014 Conference, San Antonio, Texas


May 14, 2014
Center Director Roberto G. Quercia will speak on lending in a changed mortgage market at the Federal Reserve Bank of Philadelphia's biennial Reinventing Older Communities conference.
June 10, 2014
Janneke Ratcliffe joins a panel of experts discussing the "Ten Trillion Dollar Question: Reforming Housing Finance Regulation" June 10, at the Georgetown University Law Center.

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