In a series of case studies covering more than 22 million mortgages, center researchers examine the motivations behind the programs, the ways in which they address market gaps and the keys to successful homeownership finance.
A multi-year study examines whether neighborhoods where Habitat for Humanity International invested NSP2 demonstrated greater stability and revitalization than similar neighborhoods.
Janneke Ratcliffe reflects on comments made at the Bipartisan Housing Council’s 2014 Housing Summit, “Housing America’s Future: New Directions for National Policy.” Ratcliffe’s panel focused on why creditworthy Americans find it so difficult to obtain a mortgage.
Center researchers comment on the Federal Housing Finance Agency’s proposed eligibility requirements for private mortgage insurers.
The center offers four recommendations to help the program achieve its goals of improving the performance of the FHA’s mortgage fund, expanding the number of families who benefit from homeownership counseling and increasing access to sustainable home mortgages for buyers underserved by the current market.
Center researchers contribute three chapters to a new book that reexamines the goals, risks and rewards of homeownership in the wake of the housing bubble and subprime lending crisis.
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.
This research examines how homeowners and renters were impacted by the financial crisis in 2009. We build from the hypothesis that homeownership provides people a sense of stability which decreases the extent to which they feel stressed as a result … Continued
UNC Center for Community Capital Executive Director Janneke Ratcliffe joins experts at the Center for American Progress and the National Council of La Raza in a report calling for a housing-finance system that meets America’s housing needs.
The UNC Center for Community Capital convenes a group of mortgage lenders, housing advocates, academics, policy influencers and government agency representatives for a conversation about how to rebuild a mortgage market in the wake of the financial crisis that is safer and how to extend the benefits of homeownership to less-affluent borrowers, particularly those with lower down payments.
