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Washington, D.C. – UNC Center for Community Capital Executive Director Janneke Ratcliffe discussed what works in affordable home lending as well as the benefits it yields for communities Feb. 4 at Habitat on the Hill, the annual legislative conference hosted by Habitat for Humanity International in Washington, D.C.

Ratcliffe’s presentation, “How Homeownership Stabilizes Low-Income Neighborhoods,” described key findings from the center’s research on neighborhood benefits offered by homeownership. She also joined other national experts for a panel discussion, “Shoring Up a House of Cards: How Federal Reform of Fannie and Freddie Could Impact HFHI Affiliates,” on the future of the two government-sponsored enterprises.

Ratcliffe is an expert on mortgage finance and co-author of “Regaining the Dream: How to Renew the Promise of Homeownership for America’s Working Families.” The book examines the causes of the foreclosure crisis and offers research-based strategies for rebuilding a sustainable U.S. housing finance system.

Mortgage finance is a key area of study for the UNC Center for Community Capital, the leading center for research and policy analysis on the transformative power of capital on households and communities in the United States. The center is part of the College of Arts and Sciences at the University of North Carolina at Chapel Hill. Its in-depth analyses help policymakers, advocates and the private sector find sustainable ways to expand economic opportunity to more people, more effectively. For more information, visit or call (919) 843-2140.

Topics(s): Debt & Credit, Financial Inclusion, Mortgage Finance, Savings & Asset-Building
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