Housing & Housing Finance
Housing must move beyond "roofs-over-Head" to building economically viable communities
A housing eco-system continuously evolves. Looking back over the past 20 years and having witnessed significant progress and shortfalls of housing and housing finance, it is clear that many of the realities of the past do not hold true today. New areas of alignment and new priorities are needed to build economically viable communities.
Developing Trusted Institutions in Housing Finance
Housing Finance in Emerging Markets
With unprecedented demand for housing, Instituto del Fondo Nacional de la Vivienda para los Trabajadores (INFONAVIT) expanded its mortgage financing programs. The DRC team led a comprehensive analysis of best practices for capital market funding, financing, mortgage origination, administration and investor relations.
INFONAVIT instituted performance initiatives to expand lending capacity, streamline operations and improve access to capital. Strategic programs were based on a working model, The DRC Mortgage Market Model ™. To date, INFONAVIT remains the foremost issuer of Mexican mortgage-backed securities and the largest mortgage lender in Mexico.
Building Capacity Through Technology
Operational Capacity & Organizational Performance
Mortgage funding has shaped the operating environment at most financial institutions. Amidst extreme pressure, all the government-sponsored enterprises in the U.S. saw unprecedented growth and transitions in the volume and characteristics of the transactions used to fund the mortgages issued by U.S. banking institutions. The declining costs associated with short-term funding instruments forced banks to move from longer-term debt instruments to short-term products. The growing complexity in managing the mortgage capital – increasing volume and frequency of debt transactions – the mechanics of the funding processes required a new approach to operations and technology.
DRC established a collaborative process between capital markets functions and technology groups to re-think business practice and propose new ways to enhance capacity through technology and organizational transformation.
Aligning Stakeholder to Mitigate Risk
A Risk Framework for Community Development
For housing finance organizations at a strategic crossroads, Dartmouth Research & Consulting (DRC) brings insight and inspiration in an ever-changing business world. We serve as a catalyst for change by mobilizing knowledge, experience, and expertise to realize observable results. Our work in the housing sector in the U.S. and Latin America exemplifies our capabilities for over 20 years.
Housing is a multi-dimensional industry sector that has direct impact on people, society, business and the economy. Whatever the management challenge, we have been committed to:
• Identifying opportunities for innovation and positive change for housing and community development
• Providing practical solutions that build sector capabilities and optimize the performance of key stakeholders
• Building sustainable advantage that benefits citizens and the community
We have worked across all levels of the sector from the boards of directors/executive teams to operational managers and the frontline workers.
Client Engagements
33
Years
12
Countries
15
Industries
65+
Organizations
DRC
For insight, inspiration and implementation
Trust & Confidentiality
We commit to the highest level of professionalism in all aspects of work. We will earn your trust and maintain your confidentiality.
Need Help?
Start a conversation today. Tell us what keeps you up at night.