Research Report | September 14, 2009
Mortgage Servicer Response to Borrowers in Crisis: A Report From the Front Lines
David Andrew Smith, Louis Perwien, Janneke Ratcliffe

Research Report | May 2009
The Refinancing Transition: Equity Extraction, Income Constraints and Subprime Refinancing Among CRA Mortgage Borrowers
An analysis of affordable home loan borrowers examines the extent to which the desire to tap accumulated equity offers an economic rationale for transitions into subprime products through refinancing.

Research Report | 2009
A Prosperity Grid for North Carolina: Connecting Households and Communities to Economic Opportunity
Jessica Dorrance, Lucy S. Gorham, North Carolina Assets Alliance

Research Report | October 2008
National Research Priorities for Financial Literacy and Education
Results of the National Research Symposium on Financial Literacy and Education
Janneke Ratcliffe, National Research Symposium on Financial Literacy

Research Report | November 2007
North Carolina Consumers After Payday Lending: Attitudes and Experiences with Credit Options
Kim Manturuk, Janneke Ratcliffe

Research Report | May 2007
Persistency Pays Off: Prepayment Behavior of Affordable Home Mortgages
Janneke Ratcliffe, Haiou Zhu, Lei Ding, Roberto G. Quercia, Michael A. Stegman

Research Report | September 21, 2005
Latino Lending: Analysis of the Consumer Loan Portfolio of North Carolina’s Cooperativa Communitaria Latino de Crédito
Jonathan Spader, Janneke Ratcliffe, Michael A. Stegman

Research Report | September 12, 2005
Escheats Funds: An Overlooked Source of Public Capital for Business Development in North Carolina
Michael A. Stegman, Aaron McKethan
This paper examines the feasibility of tapping North Carolina's unclaimed property, or "escheats" fund, as a potential source of patient capital for business development in the state.

Research Report | August 5, 2005
Transforming Tax Refunds into Assets: A Panel Survey of VITA Clients in Greenville, Henderson, and Raleigh, North Carolina
Jonathan Spader, Janneke Ratcliffe, Michael A. Stegman

Research Report | December 10, 2004
The Role of Technology in Serving the Unbanked
Michael A. Stegman, Marta Rocha, Walter R. Davis
Center researchers examine whether banks are using ATM technology to expand services that bring unbanked individuals into the financial mainstream.

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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