The Urban Center - Foreclosure Research

Urban building at CSU

Responding to Foreclosures in Cuyahoga County, 2010 Evaluation Report January 1, 2010 Through December 31, 2010, May 2011.
Kathryn Wertheim Hexter, Molly S. Schnoke
The foreclosure crisis in Cuyahoga County started earlier than in other parts of the country, hit harder and has been highly concentrated in low-income minority neighborhoods. The negative impacts are far reaching—touching homeowners, neighborhoods and entire cities. The County Commissioners stepped in early in 2006 to assist municipalities and homeowners through a comprehensive system of information and referral, face to face foreclosure prevention counseling provided by HUD-certified housing counseling agencies, rescue funds, nuisance abatement, mediation and legal services. Under the County’s leadership, the program has emerged as a national model of how local governments, nonprofits, and institutions of higher education can come together to address a crisis through collaborative and effective public management.

Facing the Foreclosure Crisis in Greater Cleveland: What Happened and How Communities are Responding, June 2010.
Claudia Coulton, Kathryn Wertheim Hexter, April Hirsh, Anne O’Shaughnessy, Francisca G.-C. Richter and Michael Schramm
The foreclosure crisis is among the most significant challenges facing American cities today. It has been difficult as a nation to assess the damage to housing stock, neighborhoods, and communities, let alone decide upon strategies to repair and move forward. As new foreclosures continue to mount, their impact spreads from central cities to places that initially seemed immune. Indeed, we use the term “foreclosure crisis” broadly in this report, including the subprime lending meltdown, foreclosures themselves, and spillover effects such as vacant and abandoned properties as elements of this crisis. In the midst of any crisis, it can be difficult to step back, take stock, and begin to mitigate the damage. But leaders in Northeast Ohio have done just that, acting quickly to develop and launch initiatives, both innovative and collaborative, in Cleveland and Cuyahoga County to address the crisis. Cuyahoga County may be the epicenter of the foreclosure crisis, but it is also nationally recognized as a place aggressively working on many fronts to make its way forward.

Responding To Foreclosures in Cuyahoga County: Program Year Three Evaluation Report
March 1, 2008 through February 28, 2009
, September 2009.
Kathryn Wertheim Hexter and Molly Schnoke
Cuyahoga County, Ohio is at the epicenter of the foreclosure crisis. With close to 13,000 foreclosure filings a year since 2005, more than 10,000 vacant and derelict structures and thousands of homeowners losing their homes, the effects of the crisis will be long lasting and far reaching.

In Ohio, County courts, agencies and departments have some level of authority and responsibility for virtually every step of the foreclosure process. So it is not surprising that the fifteen mayors of the First Suburbs Consortium2 turned to Cuyahoga County to help them address this crisis. In response, in August 2005, the Cuyahoga County Commissioners launched a broad Foreclosure Initiative with two potentially conflicting goals: making foreclosure proceedings faster and fairer to aid municipalities struggling with properties “in limbo” as a result of being stuck in the foreclosure pipeline and preventing foreclosures to aid residents who wanted to keep their homes. Since that time the Initiative has made measurable progress on both fronts. Understanding the successes and barriers of Cuyahoga County’s Initiative holds lessons for other cities and counties facing what may well be one of the most challenging urban issues of the Century.

Responding to Foreclosures in Cuyahoga County: An Assessment of Progress, November 2006.
Alan C. Weinstein, Kathryn Wertheim Hexter, Molly Schnoke
In August 2006, Cleveland State University was asked to conduct an initial assessment of The Cuyahoga County Commissioner’s Report and Recommendations on Foreclosure that would assist the County in planning for future phases of the project. This report presents the findings of this initial assessment of the first eighteen months of the initiative. It documents the process undertaken by the County, assesses the progress made toward reaching the goals, identifies successes and concerns and offers some preliminary recommendations about program operations. It also offers suggestions for a more formal evaluation process going forward.

The Sky isn’t Falling Everywhere, August 2008.
Brian Mikelbank, Charlie Post, Ivan Maric and Tom Bier
This report looks at the consequences of treating Cuyahoga County’s housing market as “one market” versus a shrinking but relatively price stable market and a submarket plagued by abandonment and foreclosure. Brian Mikelbank, Director of the Center for Planning Research and Practice, was interviewed about the study on WCPN. org on Tuesday, November 11, 2008,

Beyond the Foreclosure Crisis: Housing Strategy for Cleveland's Future, September 2008.
Brian Mikelbank, Charlie Post, Ivan Maric, and Tom Bier
Research for the City Council of Cleveland on the housing market, foreclosures, and home equity. The results of the foreclosure impact study were discussed at the council meeting on November 11, 2008.

Responding to Foreclosures in Cuyahoga County:  A Pilot Initiative, Interim Report,
Kathy Hexter, Molly Schnoke, and Alan Weinstein The Center for Civic Education and the Cleveland-Marshall College of Law released their report, on May 12, 2008.  The report, prepared for the Cuyahoga County Board of Commissioners, is an assessment of the County's comprehensive approach to addressing foreclosures on two levels:  1) Making foreclosure proceedings faster and fairer and 2) Creating an early intervention program to help residents prevent foreclosure.  

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