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UNC Center for Community Capital researcher presents research on low-income homeowners at Southern Economics Association annual meeting

Affordable Homeownership, Mortgage Finance

Washington, D.C. – Homeownership can be less costly than renting for low-income households and serve as an asset-building mechanism, even during times of economic upheaval, UNC Center for Community Capital researcher Sarah Riley today told economists and researchers convened for the Southern Economic Association annual meeting in Washington, D.C. Riley, the center’s senior research economist, presented findings from an ongoing study, “The User Cost of Low-Income Homeownership,” conducted with graduate … Continued

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UNC Center for Community Capital research director Mark Lindblad speaks on how low-income families manage debt during adversity at N.C. State colloquium

Affordable Homeownership, Mortgage Finance

Chapel Hill, N. C. — Adverse life events, such as unemployment, unexpected expenses and medical bills are primary reasons that lower-income households decide to file for bankruptcy, according to findings by researchers at the UNC Center for Community Capital and UNC School of Law. Center research director Mark Lindblad shared findings from the study, “Coping with Adversity:  Personal Bankruptcy Decisions of Lower-Income Homeowners Before and After Bankruptcy Reform,” with students, … Continued

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UNC Center for Community Capital research partners present findings on wealth-building strategies at national policy conference

Affordable Homeownership, Financial Inclusion, Impacts of Homeownership, Mortgage Finance, Savings & Asset-Building

Washington, D.C.  – Three research partners of the UNC Center for Community Capital will discuss findings from their joint work on issues related to wealth and asset building Nov. 3-5 at the Association for Public Policy Analysis and Management (APPAM) Fall Research Conference in Washington, D.C. The 2011 Fall Conference will convene more than 1,000 leaders in policy analysis and management to focus on the theme, “Seeking Solutions to Complex … Continued

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UNC Center for Community Capital research partner presents early study findings to U.S. Census Bureau staff

Other, Research Design, Testimony

Washington, D.C. – UNC Center of Community Capital research partner Andy Peytchev of RTI International presented early findings on a joint survey design and bias today (Oct. 25) to staff of the U.S. Census Bureau. The study, “Anticipatory Survey Design: Reduction of Non-response Bias through Bias Prediction Models,” is a National Institutes of Health-funded project to examine whether monetary incentives help reduce the level of non-responsiveness among survey participants during … Continued

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UNC Center for Community Capital and School of Social Work experts present wealth-building strategies at regional forum

Financial Inclusion, Savings & Asset-Building

Durham, N.C.  – UNC Center for Community Capital researchers and colleagues from the UNC School of Social Work this week presented research findings and results of demonstration projects that shed light on ways to help low- and moderate-income Americans build wealth. The UNC researchers were featured speakers at Pathways to Prosperity: Regional Financial Education and Asset Building Conference, which focused on shaping the critical role of savings and asset accumulation … Continued

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UNC Center for Community Capital executive director speaks on GSE reform at real estate trends conference

Affordable Homeownership, Mortgage Finance

Richmond, Va. – UNC Center for Community Capital executive director Janneke Ratcliffe spoke on “The Future of GSEs” Oct. 11 at the 21st annual Virginia Commonwealth University 21st Annual Real Estate Trends Conference in Richmond. Ratcliffe called for any reform of government-sponsored mortgage finance enterprises to preserve the critical roles and functions that have built the American mortgage systems for decades, namely stability, liquidity, and 30-year fixed-rate mortgages. The annual … Continued

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UNC Center for Community Capital executive director speaks on servicing reform at Mortgage Bankers national convention

Affordable Homeownership, Mortgage Finance

Chicago, Ill. – UNC Center for Community Capital executive director Janneke Ratcliffe joined a panel of other national experts discussing the future of mortgage servicing at the Mortgage Bankers Association 98th Annual Convention & Expo Oct. 9-12 in Chicago. The topic of reforming mortgage servicing is gaining momentum as policymakers and investors rethink servicer compensation and how to better align stakeholder interests. Ratcliffe’s panel brought together policymakers with speakers representing … Continued

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Center director Roberto Quercia, colleagues discuss research findings on sustainable mortgages and credit access

Affordable Homeownership, Debt & Credit, Financial Inclusion, Mortgage Finance

Washington, D.C. – Quality loan products can go a long way in curtailing the type of risky lending that occurred during the subprime boom  and led to the foreclosure crisis, UNC Center for Community Capital Director Roberto G. Quercia told researchers, policymakers and others convened for a symposium on sustainable mortgage lending today. Quercia, research colleagues from the Center for Responsible Leading, Ford Foundation and other national housing finance experts … Continued

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Former center research associate and public policy Ph.D. returns to UNC to speak on a demonstration project to encourage low-income people to save

Financial Capability, Financial Inclusion, Financial Services Industry, Savings & Asset-Building

Chapel Hill, N.C. – Former UNC Center for Community Capital research assistant Jonathan Spader returns to the University of North Carolina at Chapel Hill Friday to present a seminar on a demonstration program designed to encourage low-income people to save. Spader will speak on “Encouraging Use of the Saver’s Credit through VITA Sites: Evidence from a Pilot Demonstration in Two Cities” Friday, Sept. 30, 1 p.m. in the Abernethy Hall … Continued

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Sen. Hagan, national experts speak on future of housing finance at UNC Center for Community Capital-hosted policy panel

Affordable Homeownership, Default, Bankruptcy, & Foreclosure, Housing Policy, Impacts of Homeownership, Mortgage Finance

Washington, D.C. – Everyone knows the stories of the millions of Americans who have lost their homes and wealth to the foreclosure crisis, UNC Center for Community Capital Director Roberto G. Quercia told a national audience today (Sept. 20). “The story you have not heard is of the tens of thousands of working families who have been quietly and successfully repaying their mortgages over the same period of time,” Quercia … Continued