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

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

Quercia Future of HO 5-14-14
Presentation | May 14, 2014
The Future of Homeownership
Federal Reserve Bank of Philadelphia, Philadelphia, Pa.

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

Presentation | March 21, 2014
Modifications versus Foreclosures: Effects on Habitat and Health
Urban Affairs Association 44th Conference, San Antonio, Texas
Mark R. Lindblad, Yutuan Gao, Ali Browning

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.

Attrition Analysis March 2014
Technical Report | March 2014
Community Advantage Panel Survey: Data Collection Update and Analysis of Panel Attrition

State FHA Post Reform
Presentation | February 20, 2014
Challenges and Opportunities: State Housing Finance Agencies Post Housing Finance Reform
Southern Municipal Finance Society Public Policy and Municipal Finance Conference, Charlotte, N.C.

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

Riley Mobility 11-21-13
Presentation | November 23, 2013
House Price Dynamics, Unemployment and the Mobility Decisions of Low-Income Homeowners
Southern Economic Association Annual Meeting
Sarah F. Riley, Giang Nguyen, Kim Manturuk

The UNC Center for Community Capital conducts research and policy analysis on ways to make financial services work better for more people and communities.


© 2017 UNC Center for Community Capital
1700 Martin Luther King Blvd., Suite 129 • CB#3452, Chapel Hill NC 27599-3452 • 919.843.2140 • 877.783.2359 •