Mortgage Finance

Research and analysis on what works in affordable homeownership, the economic and social impacts of homeownership on households and communities, and the policies and regulations needed to shape a vibrant and sustainable mortgage market


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

HabitatNSP9-14
Research Report | September 2014
The Neighborhood Stabilization Program and Habitat for Humanity International
Janneke Ratcliffe, Kevin A. Park, Jennifer Tausig

FreemanALC2014
Presentation | September 18, 2014
The Value of Homeownership in a Post-Recession World
CFED 2014 Assets Learning Conference, Washington, D.C.

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

GSE Guaranty Fees Comment
Testimony | September 8, 2014
Fannie Mae and Freddie Mac Guarantee Fees
Response to Request for Input by Federal Housing Finance Agency Director Mel Watt
Kevin A. Park
Center researchers weigh in on the complex and important issues surrounding the setting of Fannie Mae and Freddie Mac’s fees in their response to Federal Housing Finance Agency Director Mel Watt request for input.

Draft PMI Reqs Comment
Testimony | September 8, 2014
Draft Private Mortgage Insurer Eligibility Requirements
Response to the Federal Housing Finance Agency’s Request for Input
Janneke Ratcliffe, Kevin A. Park

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

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.

Homeownership Built to Last Book Cover
Book Chapter | June 27, 2014
Homeownership Built to Last: Balancing Access, Affordability, and Risk after the Housing Crisis
Mark R. Lindblad, Roberto G. Quercia

Wealth Creation Policy Brief
Policy Brief | June 2014
Low‐ and Moderate‐income Homeownership and Wealth Creation

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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1700 Martin Luther King Blvd., Suite 129 • CB#3452, Chapel Hill NC 27599-3452 • 919.843.2140 • 877.783.2359 • communitycapital@unc.edu