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Housing Costs and Commuting Distance

October 1, 2015

Center researchers report on results of a study that models the difference in housing costs as a function of estimated commuting distance. Their results have implications for housing policy, mortgage underwriting and property appraisals.

Tenure Choice and the Future of Homeownership

November 21, 2014

Researchers analyze Survey of Income and Program Participation data to estimate the likelihood of future homeownership and find that by 2035 the homeownership rate could fall to as low 57 percent if restrictive housing conditions persist.

2015-17 Enterprise Housing Goals

October 28, 2014

The center responds to the Federal Housing Finance Agency’s proposed affordable housing goals for the government-sponsored enterprises Fannie Mae and Freddie Mac for 2015-2017

Home Mortgage Disclosure Act (Regulation C)

October 28, 2014

The center responds to rules proposed by the Bureau of Consumer Financial Protection amending Regulation C to implement amendments to the Home Mortgage Disclosure Act and change institutional and transactional coverage.

Serving Mortgage Market Segments Effectively

October 8, 2014

Lowering the cost of capital required by government-sponsored enterprises can safely and efficiently serve higher-risk segments of the market, increasing opportunity for homeownership and improving market stability.

Fannie Mae and Freddie Mac Guarantee Fees

September 8, 2014

Center researchers weigh in on the complex and important issues surrounding the setting of Fannie Mae and Freddie Mac’s fees in their response to Federal Housing Finance Agency Director Mel Watt request for input.

The Public Purpose of FHA

December 1, 2013

The Federal Housing Administration’s mortgage insurance fund plays a critical role in ensuring a healthy and stable housing market, and its losses during the foreclosure crisis must be viewed in that context, researchers at the UNC Center for Community Capital conclude in an article published in Cityscape.