MHP Case Study
Research Report | May 2012
Regaining the Dream Case Studies in Sustainable Low-income Mortgage Lending: Massachusetts Softsecond Loan Program
An alliance of organizations pools resources and risks to reduce down-payment requirements and enable 15,000 low-income households to become homeowners.

Research Report | January 2012
Balancing Risk and Access: Underwriting Standards for Qualified Residential Mortgages
Roberto G. Quercia, Lei Ding, Carolina Reid
Qualified Mortgage guidelines alone will curtail risky lending. Imposing additional risk criteria would needlessly shut out many borrowers, particularly low-income borrowers and borrowers of color.

Research Report | November 2011
Lost Ground, 2011: Disparities in Mortgage Lending and Foreclosures
Debbie Gruenstein Bocian, Wei Li, Carolina Reid, Roberto G. Quercia

Research Report | February 1, 2011
The Consumer Finance Act: Report and Recommendations to the 2011 General Assembly
Janneke Ratcliffe, Kim Manturuk

Research Report | November 2010
Strategies to Reduce the Racial and Gender Wealth Gaps in North Carolina
Tim Lohrentz, Jess Dorrance

Research Report | August 27, 2010
The Preemption Effect: The Impact of Federal Preemption of State Anti-Predatory Lending Laws on the Foreclosure Crisis
Lei Ding, Roberto G. Quercia, Carolina Reid, Alan White

R APLEffect
Research Report | March 23, 2010
The APL Effect: The Impacts of State Anti-Predatory Lending Laws on Foreclosures
Lei Ding, Roberto G. Quercia, Carolina Reid, Alan White

R ForeclosureGeneration
Research Report | February 2010
The Foreclosure Generation: The Long-Term Impact of the Housing Crisis on Latino Children and Families
Janis Bowdler, Roberto G. Quercia, David Andrew Smith

Research Report | December 2009
The Reality Education and Assets Partnership: Making the Case for Student Financial Management Programs at Minority Serving Institutions

Research Report | October 6, 2009
State Anti-Predatory Lending Laws: Impacts and Federal Preemption Phase | Descriptive Analysis
Lei Ding, Roberto G. Quercia, Alan M. White

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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