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Richmond, Va. – UNC Center for Community Capital executive director Janneke Ratcliffe spoke on “The Future of GSEs” Oct. 11 at the 21st annual Virginia Commonwealth University 21st Annual Real Estate Trends Conference in Richmond.

Ratcliffe called for any reform of government-sponsored mortgage finance enterprises to preserve the critical roles and functions that have built the American mortgage systems for decades, namely stability, liquidity, and 30-year fixed-rate mortgages.

The annual VCU Real Estate Trends Conference is one of the leading forums in the region for the exchange of ideas and information about  real estate. It attracts real estate professionals from various industry sectors, such as law, finance, construction, development, brokerage and appraisal, and provides them the opportunity to look into the future of the industry and share their expertise.

Ratcliffe is an expert in mortgage finance and co-author of Regaining the Dream: How to Renew the Promise of Homeownership for America’s Working Families. The new book, written with center director Roberto Quercia and senior research associate Allison Freeman, examines the real causes of the foreclosure crisis and how to rebuild a sustainable U.S. housing finance system.

Housing 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): Affordable Homeownership, Mortgage Finance
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