Skip to main content

UNC Center for Community Capital Director Roberto G. Quercia will speak Wednesday on new lending opportunities in a changed mortgage market at the Federal Reserve Bank of Philadelphia’s biennial Reinventing Older Communities conference, being held May 12-14 in Philadelphia.

The sixth biennial conference convenes community development innovators and leaders focused on “Bridging Growth & Opportunity.” Participants will discuss the best ways to ensure that the benefits gained through economic recovery are widely shared.

Extensive regulatory changes in the mortgage market in recent years have required lenders to develop new and innovative lending strategies. Quercia joins a panel discussing changes in the regulatory environment and their impact as well as what future changes can be expected.

Quercia, professor and chair of UNC’s Department of City and Regional Planning and a Faculty Fellow at the Center for Urban and Regional Studies, leads major research projects in the areas of low-income homeownership, mortgage lending, subprime and predatory lending and financial services issues.

He is principal researcher on an evaluation of a secondary mortgage market initiative for community reinvestment loans funded by the Ford Foundation. The multi-year evaluation is also examining the impacts of homeownership relying on a longitudinal survey of low-income borrowers. The first 10 years of this research are summarized in the recently published book, Regaining the Dream: How to Renew the Promise of Homeownership for America’s Working Families (with Allison Freeman and Janneke Ratcliffe).

Quercia has conducted extensive research on neighborhood dynamics and poverty for government agencies, municipalities, community organizations and private entities, including the U.S. Department of Housing and Urban Development, U.S. Congressional Budget Office, General Accounting Office, Federal National Mortgage Association and Federal Home Loan Mortgage Corp. He has published numerous articles, primarily on the topics of low-income homeownership, affordable lending and the assessment of lending risks, and homeownership education and counseling.

He currently serves on the editorial boards of Housing Policy Debate and Housing Studies and on the Research Advisory Council of the Center for Responsible Lending and has held appointments at the University of Texas, University of California at Berkeley, Wharton Real Estate Center (University of Pennsylvania) and Urban Institute in Washington, D.C.

Quercia holds a master’s degree in urban and regional planning from the University of Hawaii at Manoa and a Ph.D. in city and regional planning from the University of North Carolina at Chapel Hill.

The UNC Center for Community Capital is the leading center for research and policy analysis on the transformative power of capital on households and communities in the United States. The center’s 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


Topics(s): Affordable Homeownership, Housing Policy, Mortgage Finance
Comments are closed.