Mortgage Default & Foreclosure

Research and policy analysis on the causes and consequences of the foreclosure crisis, factors that trigger default, practices that reduce foreclosures and recommendations on how to provide broad access to housing credit safely and sustainably.

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

Published Article – Peer Reviewed | March 12, 2015
Loan Modifications and Foreclosure Sales during the Financial Crisis: Consequences for Health and Stress
Housing Studies
Mark R. Lindblad, Sarah F. Riley

Policy Brief | October 2014
Risks of Risk‐based Pricing of Mortgage Credit
Kevin A. Park
Risk‐based pricing can have destabilizing effects on regional and national housing markets, as well as the lives of individual households.

Spotlight logo
Commentary | October 7, 2014
Low-Down-Payment Lending: A Critical Step toward Equitable Homeownership
Spotlight on Poverty and Opportunity

JR BPC Commentary
Commentary | September 2014
Expanding homeownership should be guiding force in housing finance reform
Janneke Ratcliffe

Published Article | Summer 2014
The Continuing Importance of Homeownership: Evidence from the Community Advantage Program
Community Investments

Published Article – Peer Reviewed | May 2014
Bankruptcy during Foreclosure: Home Preservation through Chapters 7 and 13
Housing Policy Debate
Mark R. Lindblad, Roberto G. Quercia, Melissa B. Jacoby, Ling Wang, Huifang Zhao

affordable homes
Research Report | March 2014
Community Advantage Panel Study: Sustainable Approaches to Affordable Homeownership
This report highlights key findings from the center's long-term study of 46,000 lower‐income U.S. homeowners whose mortgages are part of the Community Advantage Program, begun before the foreclosure crisis and continuing today. The findings reveal what works in affordable mortgage lending and offers insights on how to rebuild a sustainable U.S. housing finance system.

Serious Delinquency SSWR 1-17-14
Presentation | January 17, 2014
Serious Delinquency and Strategic Default among Low-Income Urban Homeowners
Society for Social Work and Research 2014 Conference, San Antonio, Texas

Published Article | December 2013
The Public Purpose of FHA
Roberto G. Quercia, Kevin A. Park

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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