Despite technological advances, buying and financing a home remains a complicated process fraught with unknowns and uncertainties. This is especially true for inexperienced low- and moderate-income (LMI) renters. For example, a recent Fannie Mae ethnographic study of LMI aspiring homebuyers … Read more

The Center for Community Capital is thrilled to announce the launch of a de-identified, public-use version of the Community Advantage Panel Survey (CAPS). The panel survey comprises 11 years of panel survey data provided by approximately 5,000 low- and moderate–income homeowners … Read more

This article, written for a special “The CRA Turns 40” symposium in Cityscape uses lessons learned from the Community Advantage Program Study to provide insight into how the challenges associated with special community reinvestment lending might potentially be managed on a larger … Read more

A Place Called Home argues that homeownership is not only important for financial reasons, but also functions as a social tool that can improve the lives of low- and moderate-income people.

Researchers find that North Carolina’s 800,000 Latinos represent the fastest-growing segment of the population and a significant potential market for the housing industry, but a range of obstacles inhibit Latino homeowner and renter markets from growing.

This analysis finds that household unemployment and the local unemployment rate are important predictors of mortgage default.

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.

Residential energy efficiency can be promoted by linking it with mortgage finance.

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.

Researchers investigate the causes of homeownership’s social benefits to suggest ways those benefits may be extended to renters.