By: Danya E. Keene, Sarah K. Cowan, and Amy Castro Baker*

Published in: American Journal of Public Health 105 (5), 2015

Objectives: Mortgage strain can have severe consequences for mental health, but the specific mechanisms underlying this relationship have yet to be revealed. Stigma represents one unexplored pathway. We analyze experiences of stigmatization, concealment and isolation among African-American homeowners who were experiencing mortgage strain.

Methods: We conducted semi-structured interviews with 28 African-American homeowners who were experiencing mortgage strain.

Results: Our data show that mortgage strain can be a concealable stigma. Participants internalized this stigma, expressing shame about their mortgage situation. Additionally, some participants anticipated that others would view them as less worthy given their mortgage trouble. In an effort to avoid stigmatization, many concealed their mortgage trouble which often led to experiences of isolation. This stigmatization, concealment and isolation seemed to contribute to participants’ depression, anxiety and emotional distress.

Conclusions: Stigma may exacerbate the stress associated with mortgage strain and contribute to poor mental health, particularly among upwardly mobile African Americans who have overcome significant structural barriers to home ownership. Reducing stigma associated with mortgage strain may help to reduce the health consequences of this stressful life event.

This research was covered in the Yale Alumni Magazine.