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Former Director; Professor, City and Regional Planning

(919) 843-2493


Roberto G. Quercia is the Harris Distinguished Professor in the UNC Department of City and Regional Planning. Professor Quercia leads major research projects in the areas of low-income homeownership, mortgage lending, subprime and predatory lending, and financial services issues. He is a co-author of Regaining the Dream: How to Renew the Promise of Homeownership for America’s Working Families (with Allison Freeman and Janneke Ratcliffe), published by Brooking University Press in 2011, and of A Place Called Home: The Social Dimensions of Homeownership (with Kim Manturuk and Mark Lindblad), published by Oxford University Press in 2017.

Professor Quercia has conducted extensive research for government agencies, municipalities, community organizations and private entities, including the U.S. Department of Housing and Urban Development, the Federal National Mortgage Association, and the Federal Home Loan Mortgage Corporation. He has published on the topics of low-income homeownership, affordable lending and the assessment of lending risks, and homeownership education and counseling.

He has held appointments at the University of Texas, the University of California at Berkeley, the Wharton Real Estate Center (University of Pennsylvania), and the Urban Institute in Washington, D.C. Professor Quercia holds a masters degree in urban and regional planning from the University of Hawaii at Manoa and a Ph.D. in city and regional planning from the University of North Carolina at Chapel Hill.


A Cautionary Tale of How the Presence and Type of Down Payment Assistance Affects the Performance of Affordable Mortgage Loans, October 2019
The Community Advantage Panel Survey: Announcing a Version for Public Use, November 2017
A Place Called Home: The Social Dimensions of Homeownership, October 2017
The State of Latino Housing in North Carolina 2015, February 2016
Unemployment as an Adverse Trigger Event for Mortgage Default, January 2016
Housing Costs and Commuting Distance, October 2015
Energy Efficiency and Mortgage Risks: Implications for the Northeast, December 2014
Why Is Homeownership Associated With Nonfinancial Benefits? A Path Analysis of Competing Mechanisms, October 2014
Homeownership Built to Last: Balancing Access, Affordability, and Risk after the Housing Crisis, June 2014
Bankruptcy During Foreclosure: Home Preservation through Chapters 7 and 13, May 2014
Low‐ and Moderate‐Income Homeownership and Wealth Creation, June 2013
Home Energy Efficiency and Mortgage Risks: Fact Sheet, March 2013
Home Energy Efficiency and Mortgage Risks Report, March 2013
Homeownership and Civic Engagement in Low-Income Urban Neighborhoods: A Longitudinal Analysis, May 2012
Sense of Community and Informal Social Control Among Lower Income Households: The Role of Homeownership and Collective Efficacy in Reducing Subjective Neighborhood Crime and Disorder, April 2012
Regaining the Dream: How to Renew the Promise of Homeownership for America’s Working Families, July 2011
Friends and Neighbors: Homeownership and Social Capital Among Low- to Moderate-Income Families, October 2010
Renting to Owning: An Exploration of the Theory of Planned Behavior in the Homeownership Domain, November 2009
Homeownership and Local Voting in Disadvantaged Urban Neighborhoods, July 2009
The Impact of Low- and Moderate-Wealth Homeownership on Parental Attitudes and Behavior: Evidence from the Community Advantage Panel, January 2009