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Expanding Homeownership Should Be Guiding Force in Housing Finance Reform

September 17, 2014

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.

HAWK for New Homebuyers

July 14, 2014

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.

Rethinking Duties to Serve in Housing Finance

October 1, 2013

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.

Making the Mortgage Market Work for America’s Families

June 5, 2013

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.

Developing the Blueprint for Viable Low-Down-Payment Lending

May 17, 2013

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.