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Bankruptcy During Foreclosure: Home Preservation through Chapters 7 and 13

May 7, 2014

Researchers find wide variation in the likelihood of mortgage servicers bringing foreclosed properties to auction. Auctions are 70% less likely for homeowners in foreclosure who file for bankruptcy. The effect is five times greater for filers of Chapter 13 bankruptcies, which contain enhanced tools for preserving homeownership, compared to Chapter 7.

Research Brief: Community Advantage Panel Study

March 1, 2014

This report highlights key findings from the center’s long-term study of 46,000 lower‐income U.S. homeowners whose mortgages are part of the Community Advantage Program, begun before the foreclosure crisis and continuing today. The findings reveal what works in affordable mortgage lending and offers insights on how to rebuild a sustainable U.S. housing finance system.

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.