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


JRAP
Published Article – Peer Reviewed | 2013
The User Cost of Low-Income Homeownership
The Journal of Regional Analysis & Policy, Vol. 43 No. 2
Sarah F. Riley, Hong Yu Ru, Qing Feng

Manturuk Health Wealth
Presentation | October 17, 2013
Health and Wealth: The Role of Housing in Asset-Building and Health Outcome
2013 Pathways to Prosperity Conference, Durham, N.C.
Kim Manturuk

Riley FDIC Strategic Default
Presentation | October 17, 2013
Strategic Default Attitudes and Behavior among Low‐Income Homeowners
FDIC 3rd Annual Consumer Research Symposium, Arlington, Va.

Park ABA
Presentation | October 4, 2013
Community Reinvestment Act Overview
American Bar Association 2013 Forum on Affordable Housing and Community Development Law, Asheville, N.C.

Harvard Symposium - Moulton, Quercia
Working Paper | October 2013
Access and Sustainability for First Time Homebuyers: The Evolving Role of State Housing Finance Agencies
Harvard Business School National Housing Symposium
Stephanie Moulton, Roberto G. Quercia

Harvard Symposium - Levitan, Ratcliffe
Working Paper | October 2013
Rethinking Duties to Serve in Housing Finance
Harvard Business School National Housing Symposium
Adam J. Levitin, Janneke Ratcliffe
As the nation rebuilds its housing finance system, a key question is whether lending institutions have “duties to serve” (DTS) – obligations to reach out to traditionally underserved communities and borrowers – and, if so, by whom, with what and how. This paper discusses the importance of homeownership for economic opportunity and recommends reforms that will make DTS more effective.

RiskAccessQRMReproposal
Research Report | September 2013
Risk, Access and the QRM Reproposal
Carolina Reid, Roberto G. Quercia

Harvard Symposium - Lindblad, Rohe
Working Paper | August 2013
Reexamining the Social Benefits of Homeownership after the Housing Crisis
Harvard Business School National Housing Symposium
William M. Rohe, Mark R. Lindblad

4-3-14 SJR Mobility ARES
Presentation | July 1, 2013
House Price Dynamics, Unemployment, and the Mobility Decisions of Low-Income Homeowners
American Real Estate Society Annual Meeting, San Diego, Calif.
Sarah F. Riley, Giang Nguyen, Kim Manturuk

JournaloftheBuiltEnvironment
Published Article – Peer Reviewed | July 2013
House Price Dynamics, Unemployment, and the Mobility Decisions of Low-income Homeowners
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.

 

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