I see teaching as a service I provide to my students. I see the classroom as a
laboratory, a learning environment where we all learn from each other. My main objective
is to facilitate these processes so my students can apply what they have learned in the
classroom to their lives. 

My research interests include home ownership and financial well-being of first time home
buyers, first time homebuyers counseling and educational programs, non-traditional
mortgages and other housing issues including predatory lending, foreclosures, housing
affordability, housing discrimination, and subprime lending. I am also interested in
consumer policy (national and international) and consumer protection, and in Latino
families financial well-being. 

No subject area

Exploring the Utilization and Outcomes of the 502 Mutual Self- Help Program by Low Income Families in Rural Utah, Exploring the Utilization and Outcomes of the 502 Mutual Self- Help Program by Low Income Families in Rural Utah (2010)
 

Weaknesses of Housing Affordability Indices Used by Practitioners (with M Jewkes), Journal of Financial Counseling and Planning (2010)
 

Analysis of Housing Affordability Indices Used by Practitioners (with M Jewkes), Analysis of Housing Affordability Indices Used by Practitioners (2009)
 

How Much House Can You Really Afford: Analysis of Housing Affordability Estimates (with M D. Jewkes), How Much House Can You Really Afford: Analysis of Housing Affordability Estimates (2009)
 

Making Learning a Family Affair: Principles for Attracting Latinos to Extension Finance Classes (with L Ralph, A Horrocks, A Roberts, and L Skogrand), The Forum for Family and consumer Issues (2009)