Mortgage Finance

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U.S. housing policy since the 1930s has promoted homeownership as a primary means for Americans to build financial security. Yet many policies and practices adopted to guide mortgage lending limit access to this key wealth-building tool for low- and moderate-income households and communities of color. 

UNC Center for Community Capital researchers identify specific lending practices that enable more Americans to become successful homeowners, demonstrate creditworthiness and expand the market for housing.

Center research focuses broadly on: 

  • Identifying, assessing and promoting strategies for successful affordable mortgage lending.
  • Analyzing the impacts of homeownership – economic, financial, social, psychological and community.


Community Advantage Program Study

The UNC Center for Community Capital, with funding from the Ford Foundation, has conducted a long-term study of nearly 50,000 lower-income homeowners to identify lending practices and policies that enable or inhibit successful homeownership. More

Learn more about the center's:

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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