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Baltimore, Md. – UNC Center for Community Capital experts Lucy Gorham and Mark Lindblad join other national experts examining critical research and policy questions for expanding homeownership and its benefits at the 2012 Association for Public Policy Analysis and Management Fall Research Conference.

Gorham moderates a panel discussion today (Nov. 9) on “Re-Evaluating the American Dream: Policies to Encourage and Sustain Homeownership.” Lindblad on Saturday (Nov. 10) presents research on “Bankruptcy Decisions of Homeowners in Foreclosure.”

Gorham and discussants Stephanie Mouton of Ohio State University and J. Michael Collins of University of Wisconsin explore the post-recession drivers of preferences for homeownership, the impact of homeownership on children, downstream integration and upstream agency, and impact of underwriting standards on loan performance.

Lindblad presents research on whether  filing for personal bankruptcy protects homeowners from a foreclosure sale of their home and discusses the implications of these findings for policy and practice. The complete text of his paper and his presentation slides are available online at

Gorham serves as the center’s senior research associate for asset-building programs and policy. Lindblad, center research director, manages the center’s long-term study of an affordable secondary mortgage market initiative the financial and social impacts of homeownership on low-income borrowers and comparison group of renters.

Homeownership and affordable mortgage finance are key areas 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. Part of the College of Arts and Sciences at the University of North Carolina at Chapel Hill, the center offers research and analysis that helps 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)

Topics(s): Affordable Homeownership, Housing Policy, Impacts of Homeownership
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