2015 state of latino housing in nc — 1...2015 state of latino housing in nc — 1 principal...

2015 State of Latino Housing in NC — 1

Principal InvestigatorsRoberto G. QuerciaJames H. Johnson Jr.

Contributing AuthorsAllison FreemanAllan ParnellKevin A. ParkRebecca Tippett

Project Sta!Mark McDaniel, Project DirectorRobert Donnelly, Program ManagerDavid Ball, Project AssistantPamela Santos, Focus Group Facilitator

Acknowledgements

This study was supported by the Latino Community Development Center in cooper-ation with Latino Community Credit Union (LCCU) and North Carolina State Employ-ees’ Credit Union (SECU), with additional funding from the Z. Smith Reynolds Foun-dation and Square 1 Bank, a division of Pacific Western Bank. We are indebted to the managers and sta! of LCCU branches in Charlotte, Durham and Greensboro who helped recruit and support the qualitative component of our research. Additionally, this report would not have been possible without support from the Center for New Carolinians, El Pueblo Inc., El Centro His-pano, Global Scholars Academy and Neigh-borhood Assistance Corporation of Amer-ica. Finally, we’d like to acknowledge the Latino Housing Advisory Committee, con-vened early in the research process to pro-vide input and guidance to this study.

We, of course, assume sole responsibility for the analyses, findings and conclusions presented in this report.

2 —2015 State of Latino Housing in NC


Table of Contents

Executive Summary 6Study Rationale and Purpose 6

1.0 Demographic Trends 11What are the trends in Latino population growth in North Carolina? 11From where do North Carolina’s Latino populations originate? 11Where are North Carolina’s Latinos settling? 11Do North Carolina’s Latinos fit the typical demographic profile of immigrant populations? 12What is the level of American citizenship among Latinos in North Carolina? 13How large is the unauthorized Latino population in North Carolina? 13Will North Carolina’s Latino population continue to grow? 15What are the projected changes in age groups of North Carolina’s Latino population? 16What is the likely impact of Latino births in North Carolina? 17How do Latinos fit into North Carolina’s socio-economic profile? 18

2.0 Housing Trends 18What kind of housing do Latinos occupy? 19Are Latinos in North Carolina buying or renting homes? 22Has the homeownership rate of Latinos changed significantly? 22What challenges have Latinos faced as renters in the North Carolina housing market? 23What has been the experience of Latinos as homeowners in North Carolina? 24Do North Carolina’s Latinos aspire to become homeowners? 25What are the challenges and obstacles to Latino homeownership? 25How large is the Latino home loan market? 26What were the e!ects of the recession on mortgage lending to Latinos? 26How large was the decline in home lending for Latinos in North Carolina? 27What are the major Latino mortgage markets in North Carolina? 27What accounts for the decline in home purchase lending among Latinos following the housing crisis? 27How successful are loan applications by Latinos for manufactured homes? 29How active are specific lenders in making loans to Latinos or in communities where there are higher concentrations of Latinos in North Carolina? 31

3.0 DISCUSSION AND RECOMMENDATIONS 31What are the macro-level takeaways from this study? 31How do Latinos in North Carolina define their ideal living conditions? 32What are the programmatic implications that can be derived from this study? 33


Executive SummaryStudy Rationale and Purpose

Latinos are a rapidly growing share of North Caro-‐‑lina’s population, accounting for 25% of net growth

9% of the state’s population in 2014. With an aging

-‐‑

to ensure that Latinos are fully integrated into

-‐‑

rent and future housing needs of North Caro-‐‑lina’s Latino population.1 We analyze existing

describe barriers and challenges that inhibit ex-‐‑

-‐‑

Data and Methods

that drew upon publically-‐‑available quantitative

-‐‑

residents. Our quantitative data on Latino popu-‐‑

the U.S. Census Bureau’s 2000 and 2010 decennial -‐‑

Health Statistics.2 -‐‑

-‐‑-‐‑

pirical indicators of the Latino population’s experi-‐‑

Our qualitative data on the housing experiences and needs of North Carolina’s Latino population were collected via six focus groups with Latino

counties have high concentrations of Latinos and

-‐‑

-‐‑

here that in U.S. Census reports and tabulations, Hispanic or Latino is

-‐‑lina Hispanics fall under one of two racial categories: other race or White.

-‐‑


population growth between 2010 and 2020. 4

Key Findings

Demographics

Between 2000 and 2010, North Carolina’s -‐‑

rate of 111.1%. The Latino population is ex-‐‑pected to continue to grow in all 100 North

-‐‑

-‐‑tions such as California, Texas, and Illinois.

Latinos are highly concentrated in the state’s

-‐‑

Most of the Latinos in North Carolina are

4 The Latino focus group participants were recruited through partner

-‐‑

-‐‑

-‐‑

or older, close to half of the Latinos in this age range have less than a high school education.

-‐‑stantially lower than it was for non-‐‑Latino

Housing Trends

renters in the North Carolina housing

-‐‑-‐‑

ship rate for North Carolina’s total population

-‐‑-‐‑


In part due to a disproportionate decline in

an increase in the share of Latino loan ap-‐‑plication denials, lending to Latinos has

Traditionally, Latino borrowers sought con-‐‑ventional loans, but the proportion of loans that are insured, guaranteed, or otherwise

-‐‑

-‐‑

-‐‑

-‐‑

Obstacles in Renter and Homeowner Markets

About 50% of Latino renters are

-‐‑ilies needing larger units and security deposits.

Even when Latinos possess a valid visa to live or stay in the U.S., the search for rental housing

do not accept alternative proof of legal status.

-‐‑

build and repair credit, and about ways -‐‑

-‐‑


-‐‑

Many Latinos raised explicit concerns about

-‐‑

Latinos are fully aware that housing units in desirable areas close to good schools and

-‐‑cially. Nevertheless, they expressed a strong

-‐‑bors, and other nuisances, and close to their

-‐‑

Latinos also expressed a desire for large lots

-‐‑

Recommendations

Housing Tax Credit and fully funding the National Housing Trust Fund would substan-‐‑

and directly address the inventory shortage

funding for the Housing Voucher Choice pro-‐‑

available to pay for decent rental housing.

-‐‑

-‐‑

uncertainty and loosen their lending require-‐‑

Latinos will continue to be reluctant to apply

-‐‑

-‐‑tinos, housing advocates and other partners

single organization can create the large-‐‑scale change needed to address the inventory short-‐‑ages, policy barriers, and legal constraints

approach also suggests that advocates, poli-‐‑

create a clear policy agenda and plan for action.

policies such as inclusionary zoning and devel-‐‑oper incentives can contribute to the inventory

-‐‑-‐‑

-‐‑


-‐‑

For renters, housing advocates should partner

partnerships with Legal Aid, the North Caro-‐‑

-‐‑tion for identifying legal representation for Latino renters involved in fair housing and other legal disputes with property owners.

based organizations across North Carolina that serve Latinos should also have access

phone hot-‐‑line and other resources that ad-‐‑

raised by focus group participants could be -‐‑

budsperson position. Such a person could refer Latino renters and owners to the appro-‐‑priate agencies for assistance with fair housing

-‐‑

Whether real or perceived, expressed concerns about real estate agents suggests that advocates

-‐‑

to address the unique challenges that aspiring

the training should be available in both English

-‐‑-‐‑

edge the general challenges faced by Latinos in

of these challenges, Latinos should be strongly -‐‑

-‐‑

Organization of the Study

To set the context for this research on current and future housing needs of North Carolina’s Latino population, we begin with a detailed analysis of

-‐‑lation. We then shift to the core of the study: the

-‐‑tention is devoted to location, housing types and

quality of residential life for both renters and


1.0 Demographic Trends

As essential background and context for our analysis of Latino housing issues, we begin by providing an overview of Latino population growth and settlement trends in North Carolina. We also present a brief profile of the demographic characteristics of the Latino population. We conclude this section with projections of Latino popu-lation growth between 2010 and 2020.

What are the trends in Latino population growth in North Carolina?

After growing rapidly during the 1990s, North -‐‑

bled between 2000 and 2010, increasing in

of North Carolina’s total population growth.

were single people living alone, and 12% were -‐‑

-‐‑

5

From where do North Carolina’s Latino populations originate?

population in North Carolina was largely concen-‐‑

-‐‑grounds began in the 1990s when the state’s Latino

-‐‑

-‐‑tions. Latinos in North Carolina are diverse even

Where are North Carolina’s Latinos settling?

Figure 1 shows the geographic distribution of

-‐‑lenburg County had the largest Latino popula-‐‑

-‐‑

-‐‑

-‐‑

-‐‑tion by county in 2000 and 2010.


and Onslow—had noteworthy Latino concen-‐‑trations. Other concentrations include sites of

these clusters, it should be noted that Latinos ac-‐‑counted for over half of the population growth between 2000 and 2010 in Tier 1 counties, the 40

Do North Carolina’s Latinos fit the typical demographic profile of immigrant

populations?

-‐‑

-‐‑-‐‑

world are young adults, and this has been the case

-‐‑tinos and the total population, as well as between

non-‐‑Latino whites, in North Carolina. Latinos are

-‐‑-‐‑

North Carolina population and 10.9% of the non-‐‑

15% of all children under 10 years old in the state.

Figure 1: Distribution of Latino Households in North Carolina, 2010


-‐‑

Latino sex ratio had shifted, dropping to 115

-‐‑

typical sex distribution of births. The sex ratio at

What is the level of American citizenship among Latinos in North Carolina?

residents of North Carolina to be citizens of the

-‐‑

-‐‑

Figure 2 shows the age-‐‑sex structure of Latinos and non-‐‑Latinos by citizenship status. The top

Latino citizens. The youth of the Latino citizen -‐‑

tion in North Carolina is relatively new and that

ages of 15 and 54, regardless of Latino origin, as

How large is the unauthorized Latino pop-ulation in North Carolina?

-‐‑-‐‑

-‐‑

Mexico is the largest source country for undocu-‐‑

-‐‑

9 Another 4% of North Carolina’s un-‐‑

-‐‑


Figure 2: Age-Sex Structure of Latinos and Non-Latinos by Citizenship, 2013

Source: Tabulations of 2013 American Community Survey Public Use Microdata, via iPUMS-USA.


-‐‑

Will North Carolina’s Latino population continue to grow?

By 2020, North Carolina’s Latino population is

-‐‑

of North Carolina’s 100 counties (see Appendix

-‐‑lation growth is greater than the growth of all

-‐‑

Continuing the observed trend of the 2000s, four

absolute increase in Latino population between

half of the state’s total population growth between

-‐‑

in North Carolina’s Latino population—and

Table 1: Projected Total and Latino Population Change, North Carolina and Selected Counties, 2010-2020

Total Latino Latino as % of Total

Total 2020 % Change Total 2020 Change % Change

North Carolina 12%Durham County 20.50%Guilford County 11%

Mecklenburg County

24.10%

Wake County 22.50% 151,910 14%


-‐‑

Latino growth in North Carolina between 2010

-‐‑lina’s Latino population between 2010 and 2020.

Table 2: Projected Total and Latino Population Change, North Carolina and Selected MSAs. 2010-2020

What are the projected changes in age groups of North Carolina’s Latino

population?

growth in the state’s youth population between 2010

in the 15-‐‑24 and 25-‐‑44 age cohorts will account for

groups for Latinos and all others based on the -‐‑

centrated in the younger age groups, the age

Total Latino Latino as % of TotalTotal 2020 % Change Total 2020 % Change

North Carolina 12%Charlotte (NC Only) 2,211,459 14%Durham-Chapel Hill 15%Greensboro-High Point 11%Raleigh 21% 14%


What is the likely impact of Latino births in North Carolina?

-‐‑

higher than the total fertility rates of other groups.

10

child population – children under the age of 10 – grew at a higher rate than the Latino population as 10 Data source: NC State Center for Health Statistics

a whole between 2000 and 2010. Over the decade,

of all North Carolina children under age 10. By

The proportion of the child population that is

Latino in the U.S. Census Bureau’s 2014 popu-‐‑11

Carolina children under 10 will be Latino.12

10,000 Latino students enrolled in North Carolina public schools. This


How do Latinos fit into North Carolina’s socio-economic profile?

only 15.1% of all North Carolinians who are 25 or -‐‑

-‐‑

-‐‑

14 In a 2014

-‐‑

-‐‑

school students.

people living together.

-‐‑

Table 3: Median Household and Family Incomes, North Carolina, 2009-2013 ACS

15

-‐‑

spending was responsible for creating 92,000

2.0 Housing Trends

In this section, we shift our focus to housing -‐‑

-‐‑

Total White Latino BlackHouseholdFamily


What kind of housing do Latinos occupy?

Table 4 shows the type of housing for the total and Latino populations of North Carolina. The

-‐‑

-‐‑

The type of housing Latinos live in varies sub-‐‑stantially across the state. In Burlington, Char-‐‑

-‐‑

and 40% of Latino households in the Burlington, -‐‑

Table 4: Housing Types, All and Latino Households, North Carolina

-‐‑

-‐‑

areas discussed above, the data do reveal regional

lowest Latino occupancy rate for single-‐‑detached

Total LatinoSingle family-detached 45.2%Single family-attachedDuplex 2.2%Apartment 3 - 19 unitsApartment 20+ units 4.2%Mobile home 24.9%


Table 5: Housing Types for Latino Households, Metropolitan Areas in North Carolina, 2009-13

Source: ACS

Table 6: Housing Types for Latino Households, Durham, Guilford, Mecklenburg and Wake Counties, 2009-13

Source: ACS

Metropolitan Area Single-detached

Single-attached

Duplex 3-19 units 20+ units Mobile Home

Asheville 10.2% 2.5% 45.9%Burlington 0.9%Charlotte-Concord-Gastonia (NC only)

50.2%

Durham-Chapel Hill

5.4% 15%

FayettevilleGoldsboro 2.9% 4.4%Greensboro-High Point

2.0%

Greenville 15.1%Hickory-Lenoir-Morganton

4.5% 21.4% 21.9%

Jacksonville 50.2% 1.4% 10.9%New Bern 0.1% 4.0% 1.9%Raleigh 44.0%Rocky Mount 0.2% 59.0%Wilmington 2.4% 15.9%Winston-Salem 1.5% 1.9% 25.9% 4.2%

County Single-detached

Single-attached

Duplex 3-19 units 20+ units Mobile Home

Durham 40.4%Guilford 4.4% 0.9% 29.2% 5.0% 12.0%Mecklenburg 4.0% 1.9% 5.5%Wake 42.1% 2.0% 14.5%


Table 7: Owners and Renters, Total and Latino Households, Metropolitan Areas, 2010

Total Households

Owner % Owner Renter % Renter

Asheville 125,590Burlington 40,104Charlotte-Concord-GastoniaDurham-Chapel HillFayetteville 42.4%GoldsboroGreensboro-High PointGreenville 45.4%Hickory-Lenoir-Morganton 144,504Jacksonville 42.9%New BernRaleighRocky Mount 21,495Wilmington

Winston-SalemLatino Households

TotalHouseholds

Owner % Owner Renter % Renter

Asheville 45.4%Burlington 4,052Charlotte-Concord-GastoniaDurham-Chapel HillFayettevilleGoldsboro 55.2%

Greensboro-High PointGreenvilleHickory-Lenoir-Morganton 41.1%

JacksonvilleNew BernRaleigh 12,209

Rocky Mount 1,111

WilmingtonWinston-Salem 14,504 40.1% 59.9%


has a higher rate of single-‐‑detached housing oc-‐‑-‐‑

Are Latinos in North Carolina buying or renting homes?

relative to renters for all households and for Latino households, for North Carolina as a whole and for

-‐‑-‐‑

Table 8: Households and Homeownership, North Carolina, 2000 and 2010

Source: www.census.gov

Has the homeownership rate of Latinos changed significantly?

rates for North Carolina’s total and Latino popu-‐‑lations between 2000 and 2010. For the state as a

2000 2010Total HouseholdsTotal Homeowners

Latino Households 91,194Latino Homeowners

42.9%


Table 9: Average Household Size, Owners and Renters, 2010

-‐‑

-‐‑holds are on average larger than the households

fertility rates largely account for these observed

on average larger than Latino renter households.

-‐‑

households. On average, Latino households have

other households in the state, as shown in Table 10.

What challenges have Latinos faced as renters in the North Carolina housing

market?

-‐‑-‐‑

where Latinos reside, the presence of illegal drugs and related gang activity resulted in feelings of

property owners and unresponsive landlords

was reported in the application process, perhaps -‐‑

Table 10: Average Household Size by Age, 2010

Total Owners RentersTotal 2.52 2.40LatinoWhite (non-Latino) 2.42 2.15African American 2.59

Total Under 18 18 and OverTotalLatinoWhite (non-Latino) 0.51African American


lords place on Latino households in the property

denying application eligibility. While requesting

rental applications is legal, restricting this request

is a violation of federal housing laws. Lastly, while

subsequent burden it places on their households,

Latino renters tend to pay less than their non-‐‑La-‐‑ paid

lower rents, a larger share of Latino households is

-‐‑ers statewide and 41% of non-‐‑Latino White renters.

What has been the experience of Latinos as homeowners in North Carolina?

-‐‑ship, including: the need for reliable and trust-‐‑

-‐‑

Focus group participants expressed a desire for ac-‐‑

-‐‑

-‐‑

-‐‑

A widely-‐‑held view was that Latinos as a group do -‐‑

group participant stated, “We Latinos are often not -‐‑

focused on the challenges of having the appropri-‐‑

-‐‑-‐‑

Focus group participants raised questions about


buying process, and the cost of their services.

Latino White neighborhoods and toward racially

Finally, focus group participants characterized -‐‑

focus group participants said they believed the un-‐‑derwriting process favors loan applicants who are

Do North Carolina’s Latinos aspire to be-come homeowners?

The focus group participants indicated a strong

and increased control over one’s living situation.

to the expense of paying rent. Many have found -‐‑-‐‑

equity that can be used toward purchasing the

and lower their expenses before they retire. Sev-‐‑

as acquiring assets to pass on to their children.

-‐‑

repairs, and upgrades rather than relying on a

-‐‑ing that their residence is assured for the long

or the changing ownership of their rental units.

What are the challenges and obstacles to Latino homeownership?

Focus group participants outlined several ob-‐‑

buying process, understanding how to qualify

-‐‑nos in our focus groups was identifying the best

Many participants who wanted to buy a house had

how to start or what organization to approach for in-‐‑-‐‑

-‐‑

-‐‑


what was included in their credit history, how to

credit score. There was also confusion around

-‐‑

-‐‑-‐‑

by focus group participants was who to engage

Again, the confusion was whether the lend-‐‑

How large is the Latino home loan market?

What were the e!ects of the recession on mortgage lending to Latinos?

-‐‑

state. For non-‐‑Latino whites, lending has fallen

-‐‑pacted by the foreclosure crisis. A 2011 report by

that Latinos fared worse than non-‐‑Latino whites in the foreclosure crisis.19 Latinos were dispropor-‐‑

-‐‑-‐‑

Disclosure Act data suggests that the slowly re-‐‑

and than would be expected based on their share

20 Further, while there -‐‑

ownership and wealth-‐‑building, “since the crisis, -‐‑

-‐‑

-‐‑-‐‑

-‐‑


Table 11: Changes in Home Lending by Loan Type

How large was the decline in home lending for Latinos in North Carolina?

Across the state, purchase loans are down 45%

purchase lending for Latino borrowers has fallen

-‐‑

North Carolina, particularly to Latino borrowers,

What are the major Latino mortgage markets in North Carolina?

-‐‑

-‐‑

-‐‑21

What accounts for the decline in home purchase lending among Latinos following

the housing crisis?

A substantial portion of the decline can be ex-‐‑

-‐‑

-‐‑

2004-2006 2011-2013 ChangeLoans (Ths.)

Amt. ($B) Loans (Ths.)

Amt. ($B) Loans (Ths.)

Amt. ($B)

All Loans -‐‑9% Latino 4.5 -‐‑42% -‐‑24% White -‐‑21%Purchase 51.0 -‐‑45% Latino 10.2 1.5 White -‐‑54% -‐‑42%Refinance 92.0 41% Latino 1.1 12.5 1.9 White 45.1 20% 52%


plained by a disproportionate decline in the

-‐‑chase of owner-‐‑occupied site-‐‑built one-‐‑to-‐‑four

in Latino households over this period, which we

-‐‑

were well above those for non-‐‑Latino Whites and

three-‐‑year period for which data are available, the

-‐‑

Table 13: Denial Rates of Mortgage Applications by House Type

Table 12: Home Purchase Mortgage Applications

Note: Restricted to first lien mortgage applications for purchase of owner-occupied manufactured and site-built one-to-four unit properties. Incomplete applications and applications withdrawn by the appli-cant are not included.

Note: Restricted to first lien mortgage applications for purchase of owner-occupied manufactured and site-built one-to-four unit properties. Incomplete applications and applications withdrawn by the appli-cant are not included.

Site-Built Manufactured2004-06 2011-13 Change 2004-06 2011-13 Change

Applications (000s) Latino 5.0 2.4 -‐‑52% White 194.0 -‐‑42% 42.0 19.5 -‐‑54%Per 1,000 Households -‐‑52% Latino White -‐‑44% -‐‑55%

Site-Built Manufactured2004-06 2011-13 2004-06 2011-13

Denial Rate 14% 50% 55% Latino 19% 55% White 9% 11%


Table 14: Mortgage Originations by Loan Type

How successful are loan applications by Latinos for manufactured homes?

-‐‑

also been an increase in the share of applications

-‐‑

non-‐‑Latino whites. Since then, denial rates have increased slightly for all groups, despite general

What role do conventional loans play in the Latino mortgage market in North Carolina?

Note: Restricted to first lien mortgage originations for purchase of owner-occupied manufactured and site-built one-to-four unit properties.

Site-Built Manufactured2004-06 2011-13 2004-06 2011-13

Originations (Ths.) 415.1 10.2 Conventional 59% Latino 42% White 51% Federal Housing Adm. 20% 29% Latino 14% 24% White Veterans Administration 14% 5% Latino 9% 20% White 9% Rural Housing Service 0% 0% 2% Latino 0% 0% 1% White 1% 9% 0%


Table 15: Financial Institutions Serving the Latino Market

Note: First lien mortgage originations for purchase of owner-occupied site-built one-to-four unit properties.

*Mean Census tract market share (2012 and 2013 only) weighted by number of Latino residents in tract according to

2009-2013 American Community Survey.

Loans (2011-13) Share of Total Latino Share of TotalAll Borrowers1 Wells Fargo Bank2 Branch Banking and Trust 9.1%3 State Employee’s Credit Union 2.1%4 Movement Mortgage 4.0% 4.2%5 Bank of America6 Suntrust Mortgage7 Primelending 5,454 2.5% 5.0%8 USAA Federal Savings Bank9 American Security Mortgage 1.9%10 CMC Funding 2.2%Latino Borrowers1 Wells Fargo Bank 14.0%2 Branch Banking and Trust 5993 Bank of America 4.5%4 Movement Mortgage 4.1% 4.2%5 Latino Community Credit Union6 State Employee’s Credit Union 299 2.1%7 USAA Federal Savings Bank8 Primelending 5.0%9 Self-Help Credit Union 220 2.5%10 American Security Mortgage 2.0%Latino Neighborhoods*1 Wells Fargo Bank 11.0%2 Branch Banking and Trust 10.9%3 State Employee’s Credit Union 2.1%4 Movement Mortgage 5.0% 4.2%5 Primelending 5.0%6 Bank of America 2.4%7 Suntrust Mortgage 2.1%8 Fairway Independent Mortgage 2.0%9 American Security Mortgage

10 USAA Federal Savings Bank


statewide and less than 12% of conventional loans to non-‐‑Latino White borrowers were higher-‐‑priced.

-‐‑ventional share of loan originations has fallen to

borrowers. Finally, loans in rural areas insured

-‐‑

Across the state, the conventional share of loan

How active are specific lenders in making loans to Latinos or in communities where there are higher concentrations of Latinos

in North Carolina?

-‐‑

hold the top two places when lending institutions

22 -‐‑

active in lending for the purchase of site-‐‑built,

3.0 DISCUSSION AND RECOMMENDATIONS

What are the macro-level takeaways from this study?

This report shows that addressing the housing

-‐‑-‐‑

ous Latino population in North Carolina relative to other groups in the state. Most Latinos in the

-‐‑-‐‑

-‐‑

The Latino population is growing in all -‐‑

target the rapidly growing urban areas.

Latinos living in larger urban areas tend to have 22 We assess lender activity where Latinos live in North Carolina


-‐‑

-‐‑

-‐‑

-‐‑

-‐‑

Second, lending institutions have tightened credit -‐‑-‐‑

of loan applications by potential Latino borrowers.

-‐‑

-‐‑

How do Latinos in North Carolina define their ideal living conditions?

neighbors, and other nuisances. They want to

schools, and other services. In addition to place, the characteristics of the housing unit itself also

their household’s needs today but that can also be -‐‑

countries. To this end, Latinos value having a

Many Latinos express the desire for their ideal

-‐‑reotypical single-‐‑wide or double-‐‑wide on wheels.

between the quality of structure, location, and cost.


What are the programmatic implications that can be derived from this study?

Latinos living in North Carolina face challenges in

should be thoughtful and strategic in how they devise solutions. In the sections below, we identify

Latino renters confront multiple problems. The

-‐‑

-‐‑

three factors. First, fewer households are buying

-‐‑-‐‑

-‐‑ing crisis at the national level include both ef-‐‑

increasing the ability of households to pay for -‐‑

-‐‑

at the needed level would go a long way toward

In addition, Congress should consider fully fund-‐‑

-‐‑-‐‑

lina. The fund is designed to provide subsidies and incentives to build and rehabilitate housing

was that it would be funded through the opera-‐‑tions of Fannie Mae and Freddie Mac. Since these

uncertain into the foreseeable future. As a result, Congress should consider requiring the conserva-‐‑

-‐‑bly has never fully funded the state’s on Housing


the construction and rehabilitation of units for low

-‐‑tiatives at the national level will help address at least in part the need to expand the supply of

addition, addressing this need will require the

ordinances that overly restrict where rental hous-‐‑ing can be developed. The high cost of land in

the supply of units for rent but also add to needed

who want to age in place. Obviously, anything that can be done to reduce red tape and delays

Finally, inclusionary zoning could be considered

-‐‑velopers have to provide a percentage of the new

-‐‑-‐‑

and Manteo. Currently, these ordinances apply

as well. Concerns have been raised about the le-‐‑-‐‑

nances in North Carolina without explicit state ap-‐‑

-‐‑portions of Latino households that is housing

North Carolina Latinos confront additional chal-‐‑lenges as renters requiring other interventions. Many Latino renters are unaware of their rights as renters and what they can do about substand-‐‑ard housing, fair access to housing, and other

-‐‑

valid visa to live or stay in the country. Unfortu-‐‑

do not accept alternative proof of legal status,

and others are available to answer questions on

on housing rights printed in Spanish and English.

One way to address the challenges faced by Latino -‐‑

can create the large-‐‑scale change needed to sup-‐‑port a fair, equitable and sustainable change. A


-‐‑

-‐‑

strategic opportunities and addressing obstacles -‐‑

-‐‑cation across partners to build trust and assure

instance, advocacy organizations could partner

with Legal Aid organizations, the North Carolina

provide assistance to renters about their rights and provide legal representation for Latino renters.

Most Latinos want to own their homes. -‐‑

-‐‑

buying. Few were aware of the ways to build -‐‑

gage loans, especially without a social security

-‐‑-‐‑

-‐‑

-‐‑

-‐‑

They are often seen as neglectful, unwilling to share -‐‑

the perceived steering is in fact occurring. These concerns suggest a need to educate both potential

for real estate agents and other professionals in-‐‑

should educate these professionals on the needs

of Latino borrowers should be a priority. For -‐‑


able in English should be translated into Spanish.

The growing Latino population in North Carolina

-‐‑

While Latinos currently account for only 2% of all registered voters in the state, registra-‐‑

next decade. By stepping up to address basic

-‐‑

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North Carolina Latino Housing Assessment Advisory Committee

Jeremey CarterNational Association for Latino Community Asset BuildersLeonor ClavijoN.C. Hispanic Chamber of Commerce Satana Deberry North Carolina Housing Coalition Javier Diaz De LeonMexican Consulate - RaleighTracey Greene-DorsettZ. Smith Reynolds Foundation Jess GeorgeLatin American Coalition Hannah GillUNC Institute for the Study of the AmericasMonica Colin GutierrezMexican Consulate - RaleighJohn Herrera Self Help Credit Union Bob KucabN.C. Housing Finance AgencyPierre LaPierreKeller WilliamsLuis MattaCharlotte-Mecklenburg Community Relations CommitteeBeth Mckee-HugerGreensboro Housing Coalition Roger MontesLatino Community Credit UnionDani MoreNorth Carolina Justice Center Javier OlaveLatino Community Credit UnionLuis PastorLatino Community Credit UnionJulie PorterCharlotte–Mecklenburg Housing PartnershipRafael PrietoLatin American Coalition Diana RodriguezGovernor’s Advisory Council on Hispanic/Latino A!airsAlexandra Forter Sirota North Carolina Justice Center Peter SkillernReinvestment PartnersJenny Snead-Williams Duke University Program in Latino/a Studies in the Global SouthKen SzymanskiN.C. Apartment AssociationGregg WarrenDHIC Inc.

2015 state of latino housing in nc — 1...2015 state of latino housing in nc — 1 principal...

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