Homeownership Counseling

Research and analysis on the affects of pre-purchase and post-purchase counseling on successful homeownership.

Quercia, Pathways to Prosperity 2015
Presentation | October 13, 2015
North Carolina Housing Post Great Recession
Pathways to Prosperity 2015
Roberto G. Quercia

HAWK Comment 7-14-14
Testimony | July 14, 2014
HAWK for New Homebuyers
Comment to the U.S. Department of Housing and Urban Development
Roberto G. Quercia, Janneke Ratcliffe
The center offers four recommendations to help the program achieve its goals of improving the performance of the FHA’s mortgage fund, expanding the number of families who benefit from homeownership counseling and increasing access to sustainable home mortgages for buyers underserved by the current market.

Research Report | May 2012
Community-based Interventions for Foreclosure Prevention and Mitigation
Janneke Ratcliffe

Working Paper | June 2009
Pre-Purchase Homeownership Counseling and Mortgage Search
Jonathan Spader
An examination of the impact of pre-purchase homeownership education and counseling on mortgage search finds evidence that it alters participants' mortgage search behaviors.

Published Article – Peer Reviewed | Spring 2008
Does Homeownership Counseling Affect the Prepayment and Default Behavior of Affordable Mortgage Borrowers?
Journal of Policy Analysis and Management
Jonathan Spader, Roberto G. Quercia

Published Article – Peer Reviewed | January 2008
Post-purchase Counseling and Default Resolutions among Low- and Moderate-Income Borrowers
Journal of Real Estate Research
Lei Ding, Roberto G. Quercia, Janneke Ratcliffe

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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