Stable Home Ownership in a Turbulent Economy: Delinquencies and Foreclosures Remain Low in Community Land Trusts

Lincoln Institute of Land Policy

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Date Published 2011
Primary Author Emily Thaden
Other Authors
Theme Housing Finance Policy


The study examined mortgage delinquency and foreclosure rates among the owner-occupants of resale-restricted houses and condominiums in community land trusts (CLTs) across the United States and compared CLT results to rates of delinquency and foreclosure among the owneroccupants of conventional market-rate housing reported by the Mortgage Bankers Association’s National Delinquency Survey (MBA). The study also explored practices and policies of CLTs that may help to explain their better performance.

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