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Foreclosure Crisis

This bundle of resources explores how community land trust homeowners experienced delinquency and foreclosure during the foreclosure crisis.

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Key take-aways:

  • Homes in community land trusts have lower rates of delinquency and foreclosure than homes with conventional mortgages.
  • The high prevalence of comprehensive stewardship practices—spanning education, prevention, and intervention activities—may help to explain the low rates of delinquencies and foreclosures and high cure rates in community land trusts.

This bundle of resources contains two reports and one article examining community land trusts (CLTs) and foreclosures.

The 37-page “Outperforming the Market: Delinquency and Foreclosure Rates in Community Land Trusts” was written by Emily Thaden and published in 2010. It examines the rates of delinquencies and foreclosure filings in mortgages that were held by households who owned homes in community land trusts during 2009.

The 34-page “Stable Home Ownership in a Turbulent Economy: Delinquencies and Foreclosures Remain Low in Community Land Trusts” was also written by Emily Thaden and published in 2011. It outlines mortgage delinquency and foreclosure rates among the owner-occupants of resale-restricted houses and condominiums in community land trusts across the United States. It also compares community land trust results to rates of delinquency and foreclosure among the owner-occupants of conventional market-rate properties. Additionally, the study explores practices and policies of community land trusts that may help to explain their better performance.

The report, “Stewardship Works: Community land trusts succeed in curing delinquencies and preventing foreclosures, and the numbers show it,” was published online on Shelterforce by Emily Thaden in 2010.


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