Lucy M. Delgadillo (Jan, 2015)

Lucy M. Delgadillo (Jan, 2015) Department of Family, Consumer and Human Development 2905 Old Main Hill Utah State University Logan, UT 84322-2905 (435) 797-7204 (office) (435) 797-3845 (fax) lucy.delgadillo@usu.edu I. GENERAL INFORMATION Current Position and Title: Education: Associate Professor of Family and Consumer Sciences 1999 Ph.D. Family Life. Utah State University Dissertation: A model of factors correlated to homeownership: The case of Utah. (Received the 2000 Dissertation Research Award, Western Region Home Management Family Economics Educators, Denver, Colorado). 1995 M.S. Political Sciences. Utah State University Thesis: The 1994 presidential campaign in Costa Rica compared to U.S.A presidential campaign: An emotional approach. 1993 Lcda. Licentiate in Public Relations (ABD), University of Costa Rica 1992 B.S. Communications: Journalism. University of Costa Rica 1991 B.A. General Broadcasting and Sociology. Murray State University, Kentucky Additional Training and Certification: 2014- Aug Certified Master Coach (Center for Coaching Certification, International Coaching Federation Approved Training Program) Academic Teaching Experience: April, 2008 Associate Professor, Family, Consumer and Human Development. Utah State University. 2002-2008 Assistant Professor, Family, Consumer and Human Development, Utah State University. 2000-2002 Assistant Professor, Human Environments Department, Utah State University. Fall 1999 Instructor, Human Environments Department. Utah State University. Fall 96-Su 99 Research/Teaching Assistant- Human Environments Department, Utah State University. 1

Summer 97 Statistics and Analysis Consultant, University of Idaho. Winter 96 Research Associate, Competitive Enterprise Institute, Washington, D.C. 1993-1995 Research/Teaching Assistant- Political Science Department, Utah State University. 1992-1993 Journalist -Newspaper La Nación, San José, Costa Rica. Awards, Honors and Notable Appointments (n=15): Utah Housing Corporation Board of Trustees, 2013-2017, Re-appointment by Utah Governor Gary Herbert. (http://gva1.utah.gov/boards/board.aspx?id=2067) Strong Human Service Award, 2013, Emma Eccles College of Education and Human Services. Research Fellow, Center for Financial Security. 2013-2014 International Housing Ambassador Award, 2012, Housing Education and Research Association. Associate Editor, 2011-present, Family and Consumer Sciences Research Journal. Best Paper Award, 2010, for the paper, Disentangling the Differences between Abusive and Predatory Lending: Professionals Perspectives, with L. Erickson & and K. Piercy. Journal of Consumer Affairs 42 (3). Fulbright Scholar, San Jose, Costa Rica, 2010, Developed and taught the first Consumer Policy in the Central America Region at the University of Costa Rica. Researcher of the Year Award, 2009, Family, Consumer and Human Development Dept. 2009. Housing Impact Award, 2008, Housing Education and Research Association. Utah Housing Corporation Board of Trustees, 2009-2013, Appointment by Utah Governor Gary Herbert, 2009-2013 (http://utahhousingcorp.org/html/abtboardmembers.shtml) Certificate of Appreciation, 2008. USU Cache County Extension. Latino Finance Education Series. Outstanding Journal Article Award, 2007, with Leslie E. Green Pimentel, Association for Financial Counseling and Planning Education (AFCPE), November. 2007 USU Research Calendar featured in recognition to my contribution to the housing well being of Latino families in Utah. Innovative Program Home Buyer Education Award, Utah Extension Association of Family and Consumer Sciences, March, 2001. Fulbright CAMPUS III Award (Central America Program for Undergraduate Scholars), 1989-1991. Full scholarship for 30 months at Murray State University, KY. II. RESEARCH AND SCHOLARSHIP * indicates co-authored or co-presented with a graduate student. ** indicates co-authored or co-presented with an undergraduate student 1. Articles in Refereed Journal (n=33) 2

Delgadillo, L. (2015). Coaching and counseling communication skills. Family and Consumer Sciences Research Journal 43(3), 259-268. DOI: 10.1111/fcsr.12101. Delgadillo, L., & Bushman, B. (in press, 2015). Reliability analysis of money habitudes. Journal of Extension. DOI: tba. Delgadillo, L, Perry, T. (2014) Coaching components in Individual Development Accounts: Insights and lessons applicable to financial programs. Forum of Family and Consumer Issues 14(2) Available at http://ncsu.edu/ffci/publications/2014/v19- n2-2014-summer-fall/delgadilloparry.php Delgadillo, L., (2014). Financial clarity: education, literacy, capability, counseling, planning and coaching. Family and Consumer Sciences Research Journal, 43(1) 18 28 DOI: 10.1111/fcsr.12078 Abstract included in the USDA/NIFA Family & Consumer Sciences - November 2014- National Economics Newsletter Delgadillo, L. (2014). FCS leadership in financial health. Journal of Family and Consumer Sciences, 106(3), 16-21. Delgadillo, L., **Allen, J., & *DeHart, P. (2014). Perceived financial costs and neighborhood effect of foreclosures by next-door neighbors in USDA rural areas. Housing and Society, 41(2), 177-194. Delgadillo, L., Stokes, C., & Lown, J. (2014). Descriptive analysis of reverse mortgage counseling clients. Journal of Financial Counseling and Planning, 25 (2), 115-128. *Nelson, S., Delgadillo, L., & Dew, J. (2013), Housing cost burden and marital satisfaction. Journal of Marriage and Family Review, 49:6, 546-561 *Aaberg, J., Delgadillo, L. (2013). Realtors' perspective of first time home buyers preparedness. Family, Consumer Sciences Research Journal, 42(1), 14-28. Delgadillo, L. (2012). An assessment of consumer protection and consumer empowerment in Costa Rica. Journal of Consumer Policy 36 (1), 59-86. Delgadillo, L., *Nelson, S., & *Martin, L. (2011). Narrative experiences of USDA section 502 direct loan borrowers. Housing and Society, 38 (2), 143-165. Jewkes, M., & Delgadillo, L. (2010). Weaknesses of housing affordability indices used by practitioners. Journal of Financial Counseling and Planning, 21 (1), 43-52 3

Delgadillo, L., *Ralph, L., *Horrocks, A,. Roberts, A., & Skogrand, L (2009). Making Learning a Family Affair: Principles for Attracting Latinos to Extension Finance Classes. The Forum for Family and Consumer Issues, 14 (2) Available at http://ncsu.edu/ffci/publications/2009/v14-n2-2009-summer-fall/delgadillo- Ralph-Horrocks-Roberts-Skogrand.php *Erickson, L.V., Delgadillo, L.M, & Piercy, K.W. (2008). The need for predatory mortgage education: Expert views. Journal of Extension 46(5). Available at http://www.joe.org/joe/2008october/rb1.shtml. Delgadillo, L., *Erickson, L.V. & Piercy K.W. (2008). Disentangling the differences between abusive and predatory lending: Professionals perspectives. Journal of Consumer Affairs 42 (3), 313-334. Best Paper Award 2010 Journal of Consumer Affairs Delgadillo, L., **Kelley, C. (2008) Establishing a link between subprime lending, payday lending and housing costs. Housing and Society 34 (2), 119-136. *Green L. E. & Delgadillo, L. (2007). Estimating pre-purchase housing counseling and education costs per client. Journal of Extension 45(6). Available at http://www.joe.org/joe/2007december/tt4.shtml Delgadillo, L., & *Green-Pimental, L. (2007). An analysis of mortgage default clients and mortgage default counseling. Financial Counseling and Planning Journal, 18(1), 31-39. Best Paper Award 2007 Association of Financial Counseling and Planning Education (AFCPE) * Pedersen, C., & Delgadillo, L. (2007). Residential mortgage default in low and high minority census tracts. Family and Consumer Sciences Research Journal, 35(4), 374-391. Delgadillo, L., *Erickson, L, & Coster, D. (2006). Concentrations of subprime lending activities, equity risk factors, and bankruptcy filings. Housing and Society, 33(2), 87-107. Delgadillo, L., *Erickson, L., & Lown, J. (2006). Targeting bankruptcy consumer prevention to vulnerable census tracts. Forum for Families and Consumer Issues, 11(2). Available at http://www.ces.ncsu.edu/depts/fcs/pub/forum.html Delgadillo, L., & *Erickson, L. (2006). An exploration of off-campus student housing satisfaction. Journal of Family and Consumer Sciences, 98(4), 5-9. Delgadillo, L., & *Erickson, L. (2006). Spatial analysis of mortgage default in a metropolitan county. Housing and Society, 33(1), 37-46. 4

Delgadillo, L., & *Gallagher, A. (2006). Borrower and mortgage related factors associated with FHA foreclosures. Family and Consumer Sciences Research Journal, 34(3), 204-222. Delgadillo, L. (2006). Demand-side housing policy in Costa Rica: A response to the housing deficit. International Journal of Consumer Studies, 30(1), 95-105. Delgadillo, L., & **Contos, E. (2005). Price of shelter: Housing issues affecting lowincome, new immigrant Latinos. Housing and Society, 32(1), 107-126. Delgadillo, L., Sörensen, S., & Coster, D. (2004). An exploratory study of preparation for future care among older Latinos. Journal of Family and Economic Issues, 25(1), 51-78. Delgadillo, L. (2003). Guidelines for reaching out and counseling low income monolingual Latino clients. Journal of Extension, 41(6). Available at http://www.joe.org/joe/2003december/a5.shtml Delgadillo, L. (2003). Financial profile of first time home buyers in Northern Utah. Housing and Society, 30(1), 86-103. Delgadillo, L. (2001). A model of factors correlated to homeownership: The case of Utah. Family and Consumer Sciences Research Journal, 30(1), 3-36. Hawks, L.K., Williams, D., Delgadillo, L., & Cann, S. (2000). Community vitality indices: Western states rural comparisons. Housing and Society, 27(1), 33-43. Junk, V., Fox, L., Delgadillo, L., Anderson, J., & Olson, M. (1998). Making the most of home pages: The internet and presentation graphics. T.H.E. Journal, 26(1), 66-68. Delgadillo, L., & Dorwart, J. (1998). Home buyer program assists Hispanic families in Northern Utah. Journal of Family and Consumer Sciences, 90(2), 56-59 2. Refereed Book Chapter (n=1) Delgadillo, L. (2012). Mortgage Default and Well-Being. Susan Smith, Editor in Chief International Encyclopedia of Housing and Home. Elsevier Publishing Ltd, 358-363. 3. Editor-Refereed Book Chapter (n= 2): Delgadillo, L. (in press, 2015). Consumer Activism Movement in Central America and Panama. Consumer Activism: An Encyclopedia of Watchdogs and Whistleblowers. California: ABC-CLIO 5

Delgadillo, L., Jewkes, M. (2012). Affordability. Andy Carswell, Editor. Encyclopedia of Housing, 2 nd edition (p 13-16). Los Angeles, CA: Sage Publisher: 4. Manuscripts under Editorial Review (n =2) Delgadillo, L. Financial counseling and financial health. Handbook of Consumer finance Research (2 nd edition). Delgadillo, L. Housing sustainability and saving strategies through IDA. Journal of Family and Consumer Sciences 107(4). Delgadillo, L. Teaching a financial coaching class to undergraduate students. Financial Therapy Journal. 5. Manuscripts in Progress (n=4): Delgadillo, L. Britt, S. Financial coaching and financial therapy. Financial Therapy. Delgadillo, L. Application of appreciative inquiry in financial coaching. Due: April 6, 2015. Special Issue Journal of Family and Consumer Sciences 107(4). Delgadillo, L., McGregor, S. Furthering the conversation about the influence of postmodernism in family and consumer sciences. Due: Summer 2015 6. Book Review (n=1) Delgadillo, L. (2015). The new reverse mortgage. Family and Consumer Sciences Research Journal 43(3), 295-296. 7. Peer Reviewed Published Conference Papers (n = 48) (* Denotes graduate students, ** undergraduate) Delgadillo, L.M. (2014). From financial literacy to financial health for life. Association for Financial Counseling and Planning Education (AFCPE), p.12-13. November 19-21, Bellevue, Washington. Delgadillo, L.M., Johnson, A., Stokes, C., Erickson, L. (2014). Financial coaching and behavior change. What counselors and educators learn? p. 33 (AFCPE). November 19-21. Bellevue, Washington. * Parry, T., Delgadillo, L.M (2014). Financial skills among married adults: a comparison to singles and recommendations for extension educators, p. 69-73. November 19-21. Bellevue, Washington. 6

Delgadillo, L., *Cady, L. (2013). Financial skills and strategies used for saving for a home by individual development account holders. Housing Education and Research Association, p. 74-76, Tulsa, Oklahoma. October 27-30, 2013. Delgadillo, L., *Aaberg, J. (2013). Using input from Real Estate Professionals to Improve and Evaluate Housing Counseling Programs. Housing Education and Research Association, p. 71-73, Tulsa, Oklahoma. October 27-30, 2013 *Dehart, P. & Delgadillo, L. (2012) A logic model and evaluation of a counseling session for home equity conversion mortgages offered at a housing counseling center. Housing Education and Research Association Conference Proceedings, Roanoke, Virginia, October 28-31. Available at http://www.housingeducators.org/conference_2012/2012_hera_proceedings.pdf *Wilkinson, K. & Delgadillo, L. (2012). Review of homeowners and renters attitudes toward homeownership after the financial crisis. Housing Education and Research Association Conference Proceedings, Roanoke, Virginia, October 28-31. Available at http://www.housingeducators.org/conference_2012/2012_hera_proceedings.pdf *Stokes, C., Delgadillo, L., Lown, J., & Pfister, R. (2011). Reasons seniors seek reverse mortgages. Housing Education and Research Association Conference Proceedings, Baton Rouge, LA, October 12-14, 2011. Available at http://www.housingeducators.org/conference_2011/10%2017%202011%20alpha %20Proceedings-Done.pdf Delgadillo, L., *Nelson, S., & *Martin, L. (2011). Qualitative assessment of the mutual Self-Help program in Utah. Housing Education and Research Association Conference Proceedings, Baton Rouge, LA, October 12-14, 2011. Available at http://www.housingeducators.org/conference_2011/10%2017%202011%20alpha %20Proceedings-Done.pdf Carswell, A.T., Delgadillo, L., & James, R.N., III. (2011). International teaching and learning symposium. In G. Peek (Ed.), 2011 Annual Housing Education and Research Association Conference Proceedings, p. 58-61. Baton Rouge, LA. *Stokes, C., Lown, J., Delgadillo, L., & Pfister, R. (2011). Boost your income with reverse mortgage counseling. Association for Financial Counseling and Planning Education, p. 16-19. Jacksonville, FL, November, 2011. Delgadillo, L (2010). Exploring the Utilization and Outcomes of the 502 Mutual Self- Help Program by Low Income Families in Rural Utah. Housing Education and Research Association Conference Proceedings, Portland, Oregon, November 3-6, 2010, available at http://www.housingeducators.org/conference_2010/2010_hera_conference_pr oceedings_portland_or_100210%5b1%5d%5b1%5d.pdf 7

*Jewkes, M. & Delgadillo, L. (2009) Analysis of housing affordability indices used by practitioners, p. 2-4. AFCPE Conference, Scotland, Arizona. November 14-16,. Delgadillo, L. M., *Jewkes, M., & *Erickson, L. (2008). Disentangling the differences between abusive lending, predatory lending and mortgage fraud as defined by different stake holders. Housing Education and Research Association Conference Proceedings CD-Rom, Indianapolis, Indiana October 7-10. *Jewkes, M., & Delgadillo, L.M. (2008). An assessment of housing affordability in a county in a western state. Housing Education and Research Association Conference Proceedings CD-Rom, Indianapolis, Indiana October 7-10. */**Delgadillo, L., Jewkes, M.D., & Ingersoll, D. (2007). Who is going to help borrowers with non-traditional mortgages? Housing Education and Research Association Conference Proceedings, p.41-46. Charlotte, North Carolina, October 23-26,. **Delgadillo, L., & Kelley, C. (2007). Identifying associations between payday lending and subprime lending. Housing Education and Research Association Conference Proceedings, p. 47-51. Charlotte, North Carolina, October 23-26. *Jewkes, M.D., & Delgadillo, L. (2007). The application of theories in housing. Housing Education and Research Association Conference Proceedings, p. 96-101. Charlotte, North Carolina, October 23-26. Delgadillo, L. (2006). Financial illness to be addressed in the future of housing: mortgage defaults and bankruptcies. Housing Education and Research Association Conference Proceedings, p. 29-32. Ithaca, New York, October 8-11. Delgadillo, L. (2006). What does the future bring to Latino immigrants regarding housing issues? Housing Education and Research Association Conference Proceedings, Ithaca, Addendum. New York, October 8-11. *Green, L., & Delgadillo, L. (2006). An analysis of mortgage default client and mortgage default counseling at a housing financial counseling center. Housing Education and Research Association Conference Proceedings, p. 37-41. Ithaca, New York, October 8-11. * Green, L., & Delgadillo, L. (2006). The monetary cost of pre-purchase housing counseling and education: a case study. Housing Education and Research Association Conference Proceedings, p. 42-45. Ithaca, New York, October 8-11. * Erickson, L., Delgadillo, L., & Piercy, K. (2006). Predatory mortgage lending: A professional perspective. Housing Education and Research Association Conference Proceedings, p. 16-119. Ithaca, New York, October 8-11. 8

*Brown, S., & Delgadillo, L. (2006). Examination of federal flood insurance with implications for housing educators, p.110-112. Ithaca, New York, October 8-11,. *Stokes, C., Delgadillo, L., Hawks, L.K., & Sowards, R. (2006). Healthy homes Trainthe-Trainer program. A professional perspective. Housing Education and Research Association Conference Proceedings, p. 73-77. Ithaca, New York, October 8-11. *Delgadillo, L., Erickson, L., & Coster, D. (2006). Geography of consumer bankruptcies and neighborhood characteristics. Consumer Interest Annual 52, Available at http://www.consumerinterests.org/i4a/pages/index.cfm?pageid=4145. *Green, L., & Delgadillo, L. (2005). Mapping the concentration of mortgage default in Weber County. Housing Education and Research Association Conference Proceedings, p. 36-39. Denver, Colorado. *Johnson, J., & Delgadillo, L. (2005). Setting housing issues on the policy agenda. Housing Education and Research Association Conference Proceedings, Denver, Colorado, 104-105. *Pedersen, C., Nye, K., & Delgadillo, L. (2005). Demographics of borrowers and causes of default or residential mortgages in Northern Utah. Housing Education and Research Association Conference Proceedings, Denver, Colorado, 76-79. *Erickson, L., & Delgadillo, L. (2005). Off-campus student housing: A measure of Value. Housing Education and Research Association Conference Proceedings, Denver, Colorado, 31-33. **Delgadillo, L., & Contos, E. (2005). The price of shelter. Housing issues affecting low income Latinos. Consumer Interest Annual 51. Available at http://www.consumerinterests.org/files/public/contos_thepriceofshelterhousing ssuesaffectinglowincome.pdf Delgadillo, L., McFadden, J., & Hawks, L.K. (2004). Spatial analysis of residential foreclosures in Cache County, Utah. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, 117-121. Delgadillo, L., & McFadden, J. (2004). Demand side housing subsidies in Costa Rica. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, 22-25. Hawks, L.K., & Delgadillo, L. (2004). Energy efficient lighting: An important topic for housing educators. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, 109-113. **Delgadillo, L., & Contos, E. (2004). The price of shelter: Housing issues 9

affecting low income, new immigrant Latinos. Western Family and Economic Association Conference Proceedings Volume 19, Hawaii. *Delgadillo, L., & Gallagher, A. (2004). Borrowers and mortgage related factors associated with foreclosures. Consumer Interest Annual 50. Available at http://www.consumerinterests.org/public/articles/index.html?cat=270 *Delgadillo, L., & Gallagher, A. (2003). Borrowers and mortgage related factors associated with foreclosures. Western Family Economic Association Annual Conference Proceeding. Available at http://www.csus.edu/indiv/a/andersenj/wr/index.html Delgadillo, L. (2003). The state of workforce Latino housing in Utah. Consumer Interests Annual 49. Available at http://consumerinterests.org/public/articles/latinoworkforcehousing_03.pdf Delgadillo, L., & Hawks, L.K. (2002). Financial profile of first time home buyers in Northern Utah. American Association of Housing Educators Proceedings, Minneapolis, Minnesota, 35-38. Hawks, L.K., & Delgadillo, L. (2002). Demonstration house used to promote universal design, energy efficiency, and health indoor environments. American Association of Housing Educators Proceedings, Minneapolis, Minnesota, 48-50. McFadden, J., & Delgadillo, L. (2001). Enhancing community resources through retirement housing facilities. American Association of Housing Educators Proceedings, Big Sky, Montana, 39-43. Delgadillo, L. (2001). Delivering information on consumer protection: How to outreach Hispanics. Consumer Interest Annual 47, Washington, DC. http://consumerinterests.org/public/articles/delgadillo-- Delivering_information.pdf Delgadillo, L. (2001). Preparation and expectations for future care among older Hispanics in Utah: A pilot study. Consumer Interest Annual 47, Washington, DC. http://consumerinterests.org/public/articles/delgadillo-- Preparation_and_expectation.pdf Delgadillo, L. (2000). Living arrangements and future long term and short term care among Hispanic elderly in Utah. American Association of Housing Educators Proceedings, Atlanta, Georgia, 36-40. Delgadillo, L. (2000). Expectations about future care and resources available to older Hispanics in Utah: a pilot study. Western Region Home Management Family 10

Economic Educators. Denver, Colorado, 18-27. Delgadillo, L., & McFadden, J. (1999). A model of factors correlated to homeownership: The case of Utah. American Association of Housing Educators Proceedings Orlando, Florida, 37-40. Hawks, L.K., & Delgadillo, L. (1998). Western States comparison of community vitality: 1980-1990. American Association of Housing Educators Proceedings, Soul: Korea, 70-74. Junk, V.W., Fox, L.K.., Delgadillo, L., Oleson, M.D., & Anderson, J. (1998). Using web pages, net meeting, e-mail, and presentation graphics in teaching resource management, personal finance, and consumer issues: Professors' and students' point of view. Proceedings of Western Region Home Management and Family Economics Educators, 62-65. 8. White Papers/Monographs (n=3): Delgadillo, L. (2011). Considerations for the National Housing Plan in Costa Rica. Requested and submitted to Mrs. Irene Campos. Minister of Housing and Human Settlements. Costa Rica. **Delgadillo, L. & Kelley, C. (2009). Payday loan industry in Utah. Requested and submitted to Utah House Representatives Scott Wyatt and David Litvack, Salt Lake City, Utah. Delgadillo, L. (2006). Latino housing issues in Utah. Salt Lake City, Utah: Utah State Office of Ethnic Affairs. 9. Extension Publications (n= 22) Delgadillo, L., Hawks, L. (2009). Closing costs. FL/Homeownership/2009-07 http://extension.usu.edu/files/publications/factsheet/fl_ho_2009-07.pdf Delgadillo, L., Hawks, L., McCay, T. (2009). Completing a Mortgage Loan Application. FL/Homeownership/2009-02. http://extension.usu.edu/files/publications/factsheet/fl_ho_2009-02.pdf Delgadillo, L., Hawks, L. (2009). Making an offer and negotiating the price. FL/Homeownership/2009-24 http://extension.usu.edu/files/publications/factsheet/fl_ho_2009-24.pdf 11

Delgadillo, L., Hawks, L. (2009). Costos de cierre. FL/Homeownership/2009-07S http://extension.usu.edu/files/publications/factsheet/fl_ho-07s.pdf Delgadillo, L., Hawks, L., McCay, T. (2009). Completando la aplicación para la hipoteca. FL/Homeownership/2009-02S http://extension.usu.edu/files/publications/factsheet/fl_ho-02s.pdf Delgadillo, L., Hawks, L. (2009). Haciendo la oferta y negociando el precio. FL/Homeownership/2009-24S http://extension.usu.edu/files/publications/factsheet/fl_ho-24s.pdf Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: Are you ready to purchase a home? Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#are_you_ready_to_pu rchase_a_home Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: How much income should be devoted to a house payment? Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#how_much_income_s hould_be_devoted_to_a_house_payment Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: Calculate how much of a house you can afford. Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#how_to_calculate_ho w_much_of_a_house_you_can_afford Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: The elements of a house payment. Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#elements_of_a_house_ Payment\ Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: Steps involved in purchasing a home. Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#steps_involved_in_pur chasing_a_home Hawks, L.K., & Delgadillo, L. (2005). How to find a reliable contractor. (FL/HO-08 revised). Utah State University Cooperative Extension Web site: http://extension.usu.edu/files/factsheets/factsheetreliablecontractor.pdf 12

Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: A broker, a realtor Who are they? (FL/HO-16). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Casas de alquiler [Rental housing] (FL/HO-19S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Cómo encontrar un constructor de confianza [How to find a reliable contractor] (FL-HO-08S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: De qué precio es la casa que usted puede comprar? [How much house can you afford] (FL/HO- 01S). Utah State University Cooperative Extension, Logan. Hawks, L.K., McCay, T., & Delgadillo, L. (2002). Home Ownership Fact Sheets: El costo real de la hipoteca [Real Mortgage Costs] (FL/HO-26S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Inspección de la vivienda [Home Inspection] (FL/HO-10S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Rental housing (FL/HO-19). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Su historia de crédito [Your Credit History] (FL/HO-09S). Utah State University Cooperative Extension, Logan. Hawks, L.K., McCay, T., & Delgadillo, L. (2002). Evaluando sus necesidades de vivienda [Assessing Your Housing Needs]. Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (1998). Major appliance selection. Extension Cord Newsletter, 1, 10-14. 10. Invited Publications (n=3) Delgadillo, L. (2008). Latino values and acculturation: What do they have to do with dental care? The Nugget (Sacramento District Dental Society Magazine) Volume 54(2), 12-13. 13

Hawks, L.K., & Delgadillo, L. (2004). How much house can you afford? Opening the door to home ownership. Home Ownership Education Study Guide, 17-18. Delgadillo, L. (1996). Dirty dozen review. CEI UpDate Newsletter 9 (3) (pp. 4-6). Washington, DC. Grant Activities 1. Funded Grants, Projects, and Travel Money (n= 25) ($424,429) Internal Project: Principal Investigator. Evaluation of a Solution Focus Financial Coaching Program. United State Department of Agriculture (USDA)-Utah Agricultural Experimental Station UTAO-1174 Project. $60,053. FY 2014-2016. Private grant. Principal Investigator. Advance Financial coaching Training Wells Fargo Bank, $2,050. August, 2014. Travel Grant. Financial Education and Literacy Campaign in Costa Rica. Center for Women and Gender Institute, $500. Utah State University. May 2013. Private grant. Principal Investigator. Financial Coaching. Wells Fargo Bank, $2,027 February, 2013. Internal Project: Co-Principal Investigator. Comprehensive Housing Counseling Program. PI: Lucas Martin. Department of Housing and Urban Development $15,583. FY 2012-2013. 30% contribution on securing grant. Private Grant. Principal Investigator. Housing and Financial Program. Co-PI: Samantha Nelson. American Express. $15,000. FY2012-2013. 50% contribution on securing grant. Government Grant. Co-Principal Investigator. Comprehensive Housing Counseling Program. Samantha Nelson (PI). Department of Housing and Urban Development. $25,648. FY2012-2013. 40% contribution on securing grant. Private Grant: Principal Investigator. Post-Disaster Housing Recovery: the experience in the US. Housing Educator and Research Association, $1000. June, 2012. Government Grant. Co-Principal Investigator. Reverse Mortgage Counseling Program. Samantha Nelson (PI). $18,000. Department of Housing and Urban Development. October 2012-September 2013. 40% contribution on securing the grant. Internal Project. Principal Investigator. Assessing the Intermediate Outcomes of Individual Development Account on Student Loans and Homeownership Sustainability. USDA-Utah Agricultural and Experimental Station UTAO-1042, $62,067. FY 2011-2014 14

Government Grant. Principal Investigator. Consumer Policy Protection in Costa Rica. Department of State. Bureau of Education and Cultural Affairs. $25,240. February 2010. Internal Project. Principal Investigator. Exploring the utilization of USDA 502 Self-Help program by low income families in rural Utah. Co-PI: Lucas Martin. USDA- Agriculture Experimental Station UTAO-984. $49,587 FY 2008-2010. Private Grant. Co-Principal Investigator with Luke Erickson as PI, on project titled, Definition of predatory lending. Utah Real Estate Division for $2000, Summer 2005. 20% contribution on securing the grant. Internal Project. Principal Investigator with Jean Lown as Co-PI, on proposal titled, Geographic Distribution of Consumer Bankruptcy Filers in Utah. Submitted to the Utah Agricultural Experimental Station for $28,115, FY2004-2005. Government Grant. Co-Principal Investigator. I with Tamara Hincks (PI), on proposal titled, HUD Predatory Education and Prevention 2003-2004. U.S. Department of Housing and Urban Development for $7,788, FY 2003-2004. 40% contribution on securing grant. Travel Grant. Department of Family and Human Development to present the paper, Doing Social Research in the United States, and Examining issues through political cartoons, at the University of Costa Rica, $550. May, 2003. Government Grant. Co-PI with Tamara Hincks (PI), on proposal titled HUD Housing Counseling Project. U.S. Department of Housing and Urban Development for, with PI, Tamara Hincks for $65,999. FY 2003-2004. Internal Project. Principal Investigator, on proposal titled, Housing Needs of Latino Community. Community University Research Initiative (CURI) for $27,000, FY 2003-2004. Travel Grant. Principal Investigator, on proposal titled, Low income housing policies in Costa Rica. Women and Gender Research Institute for $450, FY 2003-04 Internal Project. Principal Investigator, on proposal titled, Evaluation of First Time Homebuyer Workshop. USU New Faculty Research Grant for $12,472, FY 2001-2002. Travel Grant. Principal Investigator, on proposal titled, Development of an instrument to evaluate First Time Home Buyer Workshops. Women and Gender Research Institute for $1,000. FY 2000-2001. 15

Travel grant. Department of Family and Human Development to present the paper, Doing Social Research in the United States, and Examining issues through political cartoons, at the University of Costa Rica, $550. May, 2003. Travel Grant. Graduate School Senate, College of Family Life, and Department of Human Environments to present the paper, Western states comparison of community vitality: 1980-1990, at the AAHE International Conference in Seoul, Korea, August, $1,000. 1998. Travel Grant. Women and Gender Research Institute, to present the paper, Predictors of rural community vitality: Utah 1980-1990, at the American Association of Housing Educators Annual Conference in New Orleans, October, $250. 1997. Travel Grant. Women and Gender Research Institute to do research in Costa Rica for the paper, Women s participation in national-level politics and government: The case of Costa Rica, February, $500. 1994. 2. Grants Written but not Funded (n=8) ($183,219) Principal Investigator. A results-based management approach for the improvement of the Housing finance system in Costa Rica. Co-PI: Porfirio Guevara. Inter- American Development Bank. $20,000. December 2009. RC_USU Grant. Analysis of Outputs and Outcomes of House Bill 144 in Utah. Utah State University. $19,810. Fall 2009. Collaborator on Reverse Mortgage Longitudinal Study. Subcontract with Moenkopi Group. Submitted to John M. MacCarthur Foundation. FY 2009-2011. $15,000. Principal Investigator on proposal titled, Chapter 12 bankruptcies in the Mountain States. Submitted to American Bankruptcy Institute, $17,613 FY 2007-2008, Principal Investigator (PI), on proposal titled, An Analysis of impediments to Fair Housing for Layton City. Submitted to Layton City, $12,220. FY 2007. Co-Principal Investigator with April Peery as Principal Investigator, on proposal titled, comprehensive housing counseling and predatory lending education. Submitted to the U.S. Department of Housing and Urban Development,$50,000. FY 2005-2006. Principal Investigator on proposal titled, An analysis of predatory lending, abusive and high cost loans in Utah. Submitted to Community University Research Initiative (CURI) for $13,576. FY 2005-2006. 16

Principal Investigator, on proposal titled, Spatial Analysis of Residential Mortgage Foreclosures and Fringe Lending in the Salt Lake City Metropolitan Area. Submitted to the Department of Housing and Urban Development. Urban Scholars Program, $35,000. FY 2000 3. Proposal in Pending Status (n=0) Presentations 1. International Presentations (n= 9) Delgadillo, L. (2013). Steps in developing a financial education campaign for low income first time home buyers. May 27-29, 2013. San Jose, Costa Rica Delgadillo, L. (2012). Housing Recovery post natural disasters: The experience in the US. National Housing Conference and Workshops. June 28, 2012. San Jose, Costa Rica. Delgadillo, L. (2010). International Consumer Protection Policies. University of Costa Rica. Political Sciences Academic Master s Program. Course: Debate Actual en Ciencias Politicas (Current Debate in Political Sciences). April 27, 2010, San Pedro, San José, Costa Rica. Delgadillo, L. (2010). Consumer Protection Models and its Application to Costa Rica. University of Costa Rica. College of Social Sciences Lectures. June 23, 2010. San Pedro, San José, Costa Rica. Delgadillo, L. ( 2010). Modelos alternatives para la Provisión de Vivienda de Interés Social a grupos de bajos ingresos ( Alternative Models for the Provision of Social Housing for Low-Income Groups) National Housing Conference, Discusiones y Reflexiones sobre el Futuro de la Vivienda de Interés Social en Costa Rica (Discussions and Reflections on the Future of Public Housing in Costa Rica). June 24, 2010. San José, Costa Rica. Delgadillo, L. (2010). Personal values, self-esteem and Drug Use. Yanauro Quesada Elementary School. Escazú, San José, Costa Rica. April 22, 2010. Delgadillo, L. (2003). Examining social-housing issues through political cartoons. Paper presented at the University of Costa Rica, College of Humanities and Social Sciences, San José, Costa Rica, May 22. Delgadillo, L. (2003). Social sciences research in the United States. Paper presented at the University of Costa Rica, Collective Communication Sciences Department. San José, Costa Rica, May 29. 17

Hawks, L.K., & Delgadillo, L. (1998). Western states comparison of community vitality: 1980-1990. Paper presented at American Association of Housing Educators. Soul: South Korea, August 5-8. 2. Refereed National Presentations (n= 52) Delgadillo, L.M. (2014). From financial literacy to financial health for life. Association for Financial Counseling and Planning Education (AFCPE). November 19-21. Bellevue, Washington. Delgadillo, L.M., Johnson, A., Stokes, C., Erickson, L. (2014). Financial coaching and behavior change. What counselors and educators learn? Association for Financial Counseling and Planning Education. November 19-21. Bellevue, Washington. Parry, T., Delgadillo, L.M (2014). Financial skills among married adults: a comparison to singles and recommendations for extension educators. AFCPE. November 19-21. Bellevue, Washington. Johnson, A. C., Delgadillo, L., Erickson, L. (2013). Behavior Change: Using What Works. Association for Financial Counseling and Education, Greeenville, South Carolina: November 20-22, 2013. Delgadillo, L., *Cady, L. (2013). Financial skills and strategies used for saving for a home by individual development account holders. Housing Education and Research Association, Tulsa, Oklahoma. October 27-30, 2013. Delgadillo, L., *Aaberg, J. (2013). Using input from Real Estate Professionals to Improve and Evaluate Housing Counseling Programs. Housing Education and Research Association, Tulsa, Oklahoma. October 27-30, 2013. Delgadillo, L., *Parry, T. (2013). Scholarly Approach to Curriculum Development for Financial Therapy Classes. Financial Therapy Association, Lubbock, Texas. September 29- October 1, 2013. Christensen, A., Johnson, A., Dew, J., & Delgadillo, L. (2012). Financial Personalities and Relationship Quality. Association for Financial Counseling and Planning Education. Poster Presentation. Saint Louis, Missouri, November 20-22, 2012. Jensen, C., Delgadillo, L., Colton, L. Review of Homeowners and Renters Attitudes toward Homeownership after the Financial Crisis. (2012). Housing Education and Research Association Conference. Roanoke, VA October 28-31, 2012 *Stokes, C., Delgadillo, L., Lown, J., & Pfister, R. (2011). Reasons seniors seek reverse mortgages. Housing Education and Research Association Conference. Baton Rouge, LA, October 12-14, 2011. Delgadillo, L., *Nelson, S., & *Martin, L. (2011). Qualitative assessment of the mutual 18

Self-Help program in Utah. Housing Education and Research Association, Baton Rouge, LA, October 12-14, 2011. Carswell, A, Delgadillo, L., Ziebarth, A., Russell, J. (2011) International Housing Teaching and Learning Symposium. Housing Education and Research Association. Baton Rouge, LA, October 14, 2011. *Nelson, S., Delgadillo, L., Johnson, A. (2011). Reliability of Money Habitudes. NCFR. Poster presentation. November 16-19. Orlando, Florida *Stokes, C., Lown, J., Delgadillo, L., & Pfister, R. (2011). Boost your income with reverse mortgage counseling. Paper presented at the meeting of the Association for Financial Counseling and Planning Education. Jacksonville, FL. Delgadillo, L. (2010). Exploring the Utilization and Outcomes of the 502 Mutual Self- Help Program by Low Income Families in Rural Utah. Housing Education and Research Association Conference Proceedings, Portland, Oregon, November 3-6. *Jewkes, M. & Delgadillo, L. (2009) Analysis of housing affordability indices used by practitioners. AFCPE Conference, Scotland, Arizona. November 14-16. *Delgadillo, L. M., Jewkes, M., & Erickson, L. (2008). Disentangling the differences between abusive lending, predatory lending and mortgage fraud as defined by different stake holders. Paper presented at Housing Education and Research Association Conference, Indianapolis, Indiana October 7-10. *Jewkes, M., & Delgadillo, L.M. (2008). An assessment of housing affordability in a county in a western state. Paper presented at Housing Education and Research Association Conference, Indianapolis, Indiana October 7-10. *Erickson, L.V., Delgadillo, LM. & Piercy, K. (2008). Insights on predatory mortgage lending. Galaxy III poster session #2, Indianapolis, Indiana. September 17-20. *Erickson, L., Delgadillo, L., & Piercy K. (2007). Perspectives on predatory lending education. Paper presented at the Association for Financial Counseling and Planning Education, Tampa, Florida, November 14-16. **Delgadillo, L., & Kelley, C. (2007). Identifying associations between payday lending and subprime lending. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October 23-26. */** Delgadillo, L., Jewkes, M., & Ingersoll, D. (2007) Who is going to help borrowers with non-traditional mortgages. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October 23-26. * Jewkes, M., Delgadillo, L. (2007). The application of theories in housing. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October 23-26. 19

*Pedersen, C., Delgadillo, L., & Johnson, J. (2007). Mortgage default and neighborhood. Paper presented at the Western Family and Economic Association Annual conference. Tucson, Arizona. January 24-27. Delgadillo, L. (2006). Financial illness to be addressed in the future of housing: Mortgage defaults and bankruptcies. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. Delgadillo, L. (2006). What does the future bring to Latino immigrants regarding housing issues? Paper presented at the Housing Education and Research Association Conference, Ithaca, New York. October 8-11. *Green, L., & Delgadillo, L. (2006). An analysis of mortgage default client and mortgage default counseling at a housing financial counseling center. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. * Green, L., & Delgadillo, L. (2006). The monetary cost of pre-purchase housing counseling and education: a case study. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. * Erickson, L., Delgadillo, L., & Piercy, K. (2006). Predatory mortgage lending: A professional perspective. Poster presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. *Brown, S., & Delgadillo, L. (2006). Examination of federal flood insurance with implications for housing educators. Poster presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. *Stokes, C., Delgadillo, L., Hawks, L.K., & Sowards, R. (2006). Healthy homes Trainthe-Trainer program. A professional perspective. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. *Delgadillo, L., Erickson, L., & Coster, D. (2006). Geography of consumer bankruptcies and neighborhood characteristics. Paper presented at the American Council on Consumer Interest Conference, Baltimore March 15-17. *Green, L., & Delgadillo, L. (2005). Mapping the concentration of mortgage default in Weber County. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8. *Johnson, J., & Delgadillo, L. (2005). Setting housing issues on the policy agenda. Poster presented at the Housing Education and Research Association Conference, Denver, Colorado, October 5-8. 20

*Petersen, C., Nye, K., & Delgadillo, L. (2005). Demographics of borrowers and causes of default or residential mortgages in Northern Utah. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8. *Erickson, L., & Delgadillo, L. (2005). Off-campus student housing: A measure of Value. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8. **Delgadillo, L., & Contos, E. (2005). The price of shelter. Housing issues affecting low income Latinos. Paper presented at the American Council on Consumer Interest. Columbus, Ohio. April. Delgadillo, L., McFadden, J., & Hawks, L. (2004). Spatial analysis of residential foreclosures in Cache County, Utah. Paper presented at the Housing Education and Research Association, Chicago, Illinois, October 20-22. Delgadillo, L., & McFadden, J. (2004). Demand side housing subsidies in Costa Rica. Paper presented at the Housing Education and Research Association. Chicago, Illinois, October 20-22. Hawks, L., & Delgadillo, L. (2004). Energy efficient lighting: An important topic for housing educators. Paper presented at the Housing Education and Research Association, Chicago, Illinois, October 20-22. **Delgadillo, L., & Contos, E. (2004). The price of shelter: Housing issues affecting low income, new immigrant Latinos. Poster presented at the Western Family and Economic Association, Hawaii, October. *Delgadillo, L., & Gallagher, A. (2004). Borrowers and mortgage related factors associated with foreclosures. Paper presented at the American Council of Consumer Interest. Washington, D.C. April. *Delgadillo, L., & Gallagher, A. (2003). Borrowers and mortgage related factors. Paper presented at the Western Family Economic Association. Salt Lake City, Utah, October. Delgadillo, L. (2003). The state of workforce Latino housing in Utah. Research in progress paper presented at the American Council on Consumer Interest. Atlanta, Georgia, April. Delgadillo, L., & Hawks, L. (2002). Financial profile of first time home buyers in Northern Utah. Paper presented at the American Association of Housing Educators, Minneapolis, Minnesota, October 23-26. Hawks, L., & Delgadillo, L. (2002). Demonstration house used to promote universal design, energy efficiency, and health indoor environments. Paper presented at the American Association of Housing Educators. Minneapolis, Minnesota, October 21

23-26. McFadden, J., & Delgadillo, L. (2001). Enhancing community resources through retirement housing facilities. Paper presented at the American Association of Housing Educators Proceedings, Big Sky, Montana, 39-43. Delgadillo, L. (2001). Delivering information on consumer protection: How to outreach Hispanics. Poster presented at the American Council on Consumer Interest. Washington, DC. Delgadillo, L. (2001), Preparation and expectations for future care among older Hispanics in Utah: A pilot study. Paper presented at the American Council on Consumer Interest. Washington, DC. Delgadillo, L. (2000). Living arrangements and future long term and short term care among Hispanic elderly in Utah. Paper presented at the American Association of Housing Educators, Atlanta, Georgia, 36-40. Delgadillo, L. (2000). Expectations about future care and resources available to older Hispanics in Utah: A pilot study. Paper presented at the Western Region Home Management Family Economic Educators. Denver, Colorado, 19-21. Delgadillo, L., & McFadden, J. (1999). A model of factors correlated to homeownership: The case of Utah. Paper presented at the American Association of Housing Educator. Orlando, Florida. 3. Refereed State Presentations (n =3): Parry, T. G. & Delgadillo, L. (2014, April). Financial skills among married adults: A comparison to singles and recommendations for educators. Paper presented at the Annual Conference of the Utah Council on Family Relations, Provo, UT. Delgadillo, L. M, & Johnson, J. (2012). Socio demographic and financial predictors of discharged chapter 12 bankruptcies in Utah, Idaho and Wyoming. Utah Academy of Sciences, Arts and Letters. Logan Utah (April 13, 2012). *Jewkes, M. D. & Delgadillo, L. M. (2009). How much house can you really afford: Analysis of housing affordability estimates. Utah Association of Family and Consumer Sciences Annual Conference, Tooele, Utah (October 24, 2009). 4. Non Refereed State and Local Presentations (n= 26): Delgadillo, L. (2014). Celebration of Financial Health. Utah State University, April 2, 2014. Delgadillo, L. (2008). How to buy a house in the U.S. Community Latino Workshops. Logan Utah. November, 2008. 22

Delgadillo, L. (2008). How to buy a house in the U.S. Community Latino Workshops. Logan Utah. April, 200). Delgadillo, L. (2008). Representing the Immigrant Experience. O.C. Tanner Symposium. Utah State University, April 4, 2008. Delgadillo, L. (2008). Latinas First Panelist. South Cache Center, Hyrum, Utah March. Delgadillo, L. (2007). Predatory lending in Utah. Paper presented at the Utah Association of Family and Consumer Sciences. Midway, Utah. November 2-3, 2007. Delgadillo, L. (2007). How do I reach cultural balance in teaching, research and service? WGRI Spring Social. Alumni House. Utah State University. April 4. **Kelley, C. & Delgadillo, L. (2007). Payday lending industry in Utah. Poster Presentation Research on Capital Hill. Salt Lake City, Utah. January 7. Delgadillo, L. (2006). Fair housing issues affecting Latino immigrants. Panel member for Utah Bioneers Conference, Logan, Utah. October 20. Delgadillo, L. (2006). Fair Housing Act. Invited guest speaker for FCHD 3210: Family and Cultural Diversity. Utah State University, Logan, Utah. Delgadillo, L. (2006). Building up your self-esteem. Invited guest speaker for Logan South Cache Middle School. Delgadillo, L. (2005). Latinos in the U.S. Culture. Invited guest speaker for FCHD 3210: Family and Cultural Diversity. Utah State University. Logan, Utah. Delgadillo, L. (2003). Borrower and mortgage related factors associated with foreclosure. Invited speaker at the U.S. Department of Housing and Urban Development Mortgage Default-Foreclosure/Fraud Task Force. Salt Lake City, Utah. Delgadillo, L. (2002). Housing discrimination issues. Guest speaker for FHD 3210 Family and Cultural Diversity. Utah State University, Logan, Utah. Delgadillo, L. (2002). Counseling Latino low income monolingual families. Guest speaker for HENV 4460, Financial Counseling. Utah State University, Logan, Utah. Delgadillo, L. (2001). Inviting you to overcome cultural barriers. Keynote speaker for the International Student Week, Utah State University, Logan, Utah. Delgadillo, L. (2000). Marketing to special audiences. Training the Trainers Workshop, Salt Lake City, Utah. 23

Delgadillo, L. (2000). Foreclosures. Training the Trainers Workshop. Salt Lake City, Utah. Delgadillo, L. (2000). Taking care of your new home. Training the Trainers Workshop. Salt Lake City, Utah. Delgadillo, L. (2000). Fair Housing Issues. First time home buyer workshop (Spanish). Logan, Utah. Delgadillo, L. (2000). Advantages and disadvantages of buying a home. First time home buyer workshop (Spanish). Logan, Utah. Delgadillo, L. (2000). Real cost of a mortgage. First time home buyer workshop (Spanish). Logan, Utah. Delgadillo, L. (1998). Advantages and disadvantages of buying a home. First time home buyer workshop. Logan City Hall. Logan, Utah. May 1996. Delgadillo, L. (1996). Does Costa Rica have a freedom of press? Invited guest speaker for Professor Jim Derry, Introduction to Mass Communication. Utah State University, Logan, Utah. Delgadillo, L. (1996). Why is it important to get an internship? Invited guest speaker for Professor Jean Lown, Introduction to Careers. Utah State University, Logan, Utah. Delgadillo, L. (1995). Semiology and semiotic in two Latin American movies: The Mission, & The North. Invited guest speaker for Dr. William Furlong s workshop, Politics through Films and Fictions. Utah State University, Logan, Utah. 5. Invited National Webinar Presentations and State Satellite Program (n=2): Delgadilo, L. (2015). Financial Clarity. Center for Financial Security National Webinar. Wednesday January 28, 2015, 11:00 a.m. MT. http://www.cfs.wisc.edu/707.htm Delgadillo, L. (2005). Social and housing issues affecting Latinos in Utah. Satellite Conference for Extension Specialists. Utah State University. Logan, Utah. Other scholarly activities: Publisher's invite to review chapters (n=2) Chapter: Financial Coaching. Handbook of Consumer Finance Research. Chapter: Financial Issues of Hispanic Consumers in the US: Current Research and Future Directions. Advances in Consumer Financial Behavior. Springer: England (2008). 24

Chapter: Government role in housing. Introduction to Housing. Prentice Hall: New Jersey (2005). II. TEACHING 1. Courses developed and taught at USU (2000-present) (n=16) Graduate: FCHD 6050 Consumer Theories** FCHD 6420/7420 Seminar: Housing Policy** FCHD 6400/7400 Seminar: Housing Problems and Issues** FCHD 6450 Consumer Policy** FCHD 6960 Readings and Conference FCHD 6910 Parenting Seminar (co-teacher)*** FCHD 6045/7045 Financial Health*** Undergraduate: HENV 2280 Family Economics: Role, Gender and Work** HENV 3320 Management and Decision Making** FCHD 3310 Consumer Policy ** FCHD 3340 Housing: Societal and Environmental Issues FCHD 3340 Housing: Societal and Env. Issues (online)*** FCHD 4250 Advanced Internship FCHD 4910 Creative Projects/Independent Studies FCHD 5340 Housing Finance and Regulations FCHD 5350 Financial Coaching*** ** Classes no longer offered in our department (n=7) *** New classes developed after 2008 (n=4). Course Developed and Taught in Costa Rica: UCR-PSD International Consumer Protection (Spring 2010). 2. Mentoring Students: a. Master s Committee Chair n= 11) /Advisor (n=3) (*) indicates funded under my projects CS indicates Consumer Sciences Name: Year Degree: Status Travis Parry* 2013-2014 Ph.D. student Advisor Lindsey Cady* 2011-2012 M.S. C.S Drop-out after elimination CS Master Program) Paola DeHart* 2012 MFHD/ CS Graduated. Social Services 25

Jordan Aaberg* 2012 M.S. CS Graduated. Banking. Thesis: Realtors perceptions of First Time Home Buyers Knowledge of Home Purchase Process Lucas Martin* 2012 M.S. CS Graduated. FLC Director. Thesis: Quantitative Analysis of Outcomes of 502 Rural Housing Loans. Samantha Nelson* 2011 M.S. CS Graduated. Job in the field. Thesis: Housing Related Factors Associated with Marital Satisfaction Cindy Stokes 2010 M.S. CS Graduated. USU Instructor. Thesis: An Analysis of Reverse Mortgage Clients at the Utah State University Family Life Center Housing and Financial Counseling Jessica Johnson* 2009 M.S. CS Graduated. Social Services. Thesis: Socio-Demographic and Financial Predictors of Discharged Chapter 12 Bankruptcies for Utah, Idaho, and Wyoming Melanie Jewkes* 2008 M.S. CS Graduated. USU Extension. Thesis: An Assessment of Housing Affordability in Cache County, Utah Leslie Green* 2006 M.S. CS Graduated. Academia. Thesis: An Analysis of Mortgage Default Clients and Mortgage Default Counseling at the Utah State University Family Life Center and Financial Counseling Services Luke Erickson* 2006 M.S. CS Graduated. Extension Thesis: Defining Predatory Mortgage Lending in Utah Camille Pedersen* 2006 M.S. CS Graduated. Financial Counselor Thesis: Mortgage Default and Neighborhood: A Case Study of Weber County Amber Gallagher* 2004 M.S. CS Graduated. Financial Counselor Thesis: Borrower and Mortgage Related Factors Associated with FHA Foreclosures Co-chair: January Webb, 2003 M.S FCSE Graduated. Thesis: USU campus housing residential satisfaction. 3. Graduate Committee member (n=12): Danielle Jensen 2014 Ms. FHD In progress Patty Norman 2013 Ph.D. EDU-TEAL In progress Denny Heaton 2012 Ph.D. Dept. of Secondary Ed Graduated. Paul Ingersoll 2011 M.S. CS In progress Jennifer Jenkins 2011 M.S. FCSE Drop-out Shareesa McMurdie 2011 M.S FCHD Graduated Marci Campbell 2011 Ph.D. FCHD Graduated Lisa Ralph 2009 Ph.D. Dept of Sociology Graduated Kent Pena 2008 M.S. Math and Statistics Graduated 26

Michelle Davis 2002 MS student, FCSE Graduated Steve Kearl 2002 MS student, I.D Graduated Jerry Cook 2002 Ph.D. FHD Graduated 4. Student Advisees Honors (n= 5) 2010 Master s advisee Luke Erickson was co-recipient of the Journal of Consumer Affairs best Article Award 2009 Master s advisee Samantha Nelson, valedictorian for the Emma Eccles Jones College of Education and Human Services. 2007 Master s advisee Leslie E. Green Pimentel was co-recipient of the Outstanding Journal Article Award, Association for Financial Counseling and Planning Education (AFCPE), November 2007. 2007 Master s advisee Camille J. Pedersen Best Applied Thesis Award. She was featured in the 2007 Research Matters USU Publication (p. 14-15) Thesis: Mortgage Default and Neighborhoods: A case study of mortgage default in Weber County. 2006 Master s advisee Luke Erickson received the Tessie Agan Dissertation/Thesis Award, Housing Education and Research Association (HERA), October 2006. Thesis: Defining Predatory Mortgage Lending in Utah. 5. Graduate Students (n=9) funded for at least one semester with my research dollars: Travis Perry Ph Student Fall 2013, Sp 2014 Lindsey Cady Master Student Fall 2012 Samantha Nelson Master Student Fall, Spring 2010, 2011, 2012, Spring 2013. Paola DeHart Master Student Fall 2011, Sp and Fall 2012 Jordan Aaberg Master student Fall 2011 Lucas Martin Master student Spring 09, Fall 09, Spring 10, Fall 10, Spring 11 Melanie Jewkes Master Student Spring 2007, Spring 2008 Leslie Green Master Student Spring 2006, Fall 2006 Luke Erickson Master Student Spring 2005, Fall 2005 6. Undergraduate Research Assistant (URA) funded with my own research dollars and Undergraduate Teaching Fellows (UTF) (*) URA Funded with my own research dollars (n=11) 27

Tauni Davidson* Loryn Law* Danica Spendlove* Brittani Bushman (UTF) Spring 2015 Spring 2015 Spring 2015 Fall 2014 Brittani Bushman* Fall 2014 Jamie Allen* Spring 2014 Janae Hermanson (UTF) Fall 2013 Scott Heninger* Spring 2013 Melissa Weight (UTF) Spring, 2012 Melissa Lee (UTF) Fall, 2011 Ken Walker (UTF) Spring, 2011 Paola DeHart* Fall, 2010 Bonnie Lichfield (UTF) Spring, 2009 Sam Nelson* Spring, 2009 Jennifer Jenkins (UTF) Fall, 2009 Jordan Aaberg* Fall, 2008 Craig Kelly * Fall 2008 Amanda Horrocks (UTF) Spring, 2008 Linda Merrill (UTF) Spring, 2007 McKelle Ralphs (UTF) Fall, 2006 Melanie Jewkes* Spring, 2006 Ashley Wall (UTF) Spring, 2006 Jennifer Keil (UTF) Spring, 2005 Beth Butterworth (UTF) Spring, 2005 Heather Bankhead (UTF) Spring, 2004 7. Undergraduate Honor Thesis/ Interdisciplinary Advisor (n=10) Ashley Greenwood Spring 2013 Housing for Persons with Disability Geoffrey McGee Spring 2013 Scam and abuses in the financial sector Josh Wiser Fall 2012 Lenders Incentives to originate mortgage loans Paola DeHart Fall, 2009 502 Self Help Loans Nick Sorensen Spring, 2009 How to Start a Franchise Craig Kelley Fall, 2008 Payday Lending in Utah Gabriel Lucero Spring, 2008 Alternative Ideas for Affordable Housing Amy McCoy Spring, 2007 LDS Teachings and Family Finance Melanie Fairbanks Spring, 2007 Purchasing a Second or Investment Home Elizabeth Contos Spring, 2006 Price of Shelter MEDIA EXPOSURE 1. News articles, radio programs, and newsletters in which I have been interviewed (n=28): Delgadillo, L. 2014 Mortgage Insurance Report. Wallet Hub.com. Dec 3, 2014. http://wallethub.com/edu/mortgage-insurance-report/8645/#lucy-delgadillo 28

Delgadillo, L. Interviewed. Mes de la salud financiera de Utah.. Periodico de Utah. April 3, 2014. Interviewed by Libia Gonzalez. Online link: http://www.elperiodicodeutah.com/abril-mes-de-la-saludfinanciera-en-utah-para-su-bienestar-integral-2/ Delgadillo, L. Financial Health. Herald Journal April 3, 2014. A3. Interviewed by Kevin Opsahl. Online link: http://news.hjnews.com/allaccess/needs-vs-wants-aggies-learn-budget- basics-at-financial-health/article_2f849b2e-bac4-11e3-8949- 0019bb2963f4.html?mode=image&photo=%27 Delgadillo, L. Interviewed. USU professor to serve on State Housing Board. Herald Journal. Feb 4, 2013 Page A9. Rachel Kenley Fry. Online link http://news.hjnews.com/allaccess/article_1e159af0-8ddd-11e3-8e94-001a4bcf887a.html Delgadillo, L. Interviewed. Lucy Delgadillo: Orgullo Hispano (Hispanic Pride). Periodico de Utah. October 9, 2013. Omar Hernandez. Online link: http://www.elperiodicodeutah.com/?s=lucy+delgadillo Delgadillo. News. Interviewed. Channel 42, Costa Rica. Lentitud en la reconstrucción de casas de personas afectadas por desastres naturales. Video transmitido hoy por ExtraTV 42 San Jose, Costa Rica (aired June 28, 2012; 5:13 pm) http://www.extratv42.com/c42/index.php?option=com_content&view=frontpage&itemid =1 Delgadillo. Invited guest. On May 30, 2012. Access Utah. UPR radio program, Family Matters. http://upr.org/post/family-matters-au-wednesday Logan, Utah. Delgadillo, L. Inverview. Cited by: Stich, R. (2010). America s Housing and Financial Frauds: Massive Financial Frauds Played Upon an Uninformed or Gullible Public. Silverpeak Enterprises: Alamo. Delgadillo, L. News. Cited by: (2009). USU Fulbright scholar headed to Costa Rica. Deseret News. Retrieved November 13, 2010, from http://www.deseretnews.com/article/705307062/usu-fulbright-scholarheaded-to-costa-rica.html Delgadillo, L. Invited guest. Guzman-Leon, Juani (inteviewer). Políticas Internacionales del Consumidor (Consumer Internacional Policy). Programa Desayunos de Radio Universidad (96.7 FM) June 14, 2010, 7 a.m. San Jose, Costa Rica. Delgadillo, L. Invited guest. Campos-Cruz, Gilberto (interviewer). Estrategias para la Protección de los Consumidores (Strategies for Consumer Protection). Programa Radial, Consumidores Activos (107.1 FM) June 1, 2010, 8:00 a.m. San Jose, Costa Rica. 29

Delgadillo, L. News (2009). USU Fulbright scholar headed to Costa Rica. Deseret News. Retrieved November 13, 2010, from http://www.deseretnews.com/article/705307062/usu-fulbright-scholarheaded-to-costa-rica.html Delgadillo, L. News. Cited by Fulton, Ben. (March 29, 2010). USU compiling Latino voices. Salt Lake Tribune A1-A8. (2008). Designing solutions for problems of Predatory Lending first requires understanding when it exists. Cowboy Economics. Retrieved November 13, 2010, from http://www.cowboyeconomics.com/research/designing_solutions_for_problems_of_pre datory_lending_first_requires_understanding_when_it_exists.asp Delgadillo, L. Magazine. Cited by Longobardi, Elinore (2009). How subprime killed predatory. Columbia Journalism Review. Sept/Oct page 45-49. Delgadillo, L. News. Cited by Mast, Tom (May 2, 2008). Home ownership strengthens communities, expert says. Casper-Star Tribune online. Available at http://casperstartribune.net/articles/2008/05/02/news/casper/bdf8d38b57fda69687 25743c00735c13.txt Delgadillo, L. News. Cited by Lux, Kelly. (2008). For sale: Pricing, preparation and research tickets to selling a house quickly. The Herald Journal. C1-C2, Logan, Utah. Delgadillo, L. USU Calender Didericksen, E. (2007). Latino families provided with home and school help. 2007 Research Calendar (April month). Utah State University. Delgadillo, L. News. Cited by Hagar, S. (Nov 28, 2006). The typical first-time buyer isn t so easy to describe these days. Walla Walla Union-Bulletin. Washington State. Available at www.unionbulletin.com. Delgadillo, L. News. Cited by Hillhouse, V. (Nov 24, 2006). Homeownership more than just a piece of the American Dream. Walla Walla Union-Bulletin. Washington State. Available at www.union-bulletin.com. Delgadillo, L. Interviewed. Cited by Prokopy, J.G. (October, 2005). Tricky translations. A professional offers advice. ASHI Reporter, 22(10), 23. Delgadillo, L. News. Cited by MacKay, M. (October 5, 2005). Good landlord! Survey says landlord is the key to housing happiness. The Utah Statesman, p1. Logan, Utah. 30

. (June 6, 2005). Housing barriers for immigrants. Utah State Today Online News. Research Matters section. Logan, Utah. Delgadillo, L. News. Cited by Nelson, D. (May 15, 2005). Hispanics face local housing hurdles. The Herald Journal, pa1. Logan, Utah. Delgadillo, L. News. Cited by Oberbeck, S. (April 9, 2005). Fund focuses on family, kids. The Salt Lake Tribune, pe1- E8. Salt Lake City, Utah. Delgadillo, L. News. Cited by Oberbeck, S. (January 9, 2005). Homeowners face foreclosure threat. The Salt Lake Tribune, A11. SLC, Utah. Delgadillo, L. Interview. Cited by Inform Design. (July 15, 2003). Factors related to owning a home. Available at http://www.informedesign.umn.edu/rs_detail.aspx?rsid=1384 Delgadillo, L. News. Cited by Wiser, A. (September 3, 2001). Making a fashion statement. International Women s day blends fashion, feminism to teach diversity. The Utah Statesman, Utah State University. Logan, Utah. Delgadillo, L. News. Cited by (Fall 2000). Outreach initiatives. USU Affirmative Action Equal Opportunity Newsletter, 1(2), p 7. 2. Social Media Research Gate: https://www.researchgate.net/profile/lucy_delgadillo Linkedin https://www.linkedin.com/pub/lucy-delgadillo/12/539/7a1 Google Scholar: http://scholar.google.com/citations?user=adq75qgaaaaj&hl=en III. SERVICE Academic and Honorary Societies: Financial Therapy Association (2012-2013) National Council on Housing Finance Agencies (2009- present) Fulbright Alumni (2010-present) Housing Education and Research Association (HERA), formerly known as American Association of Housing Educators (AAHH) (1996-2013) American Financial, Counseling and Planning Education (2014 and various years) American Council on Consumer Interest (2001-2006) Western Family and Economic Association (2000-2003, 2004, 2005) Phi Kappa Phi (National Honor Society), (1995-present) Professional Service 31

1. International: Spring/Summer 2013: Advisor and Consultant for Ministry of Housing, San Jose, Costa Rica. Spring 2010 Present Parent and Teacher Committee Treasurer. Yanaurio Quesada Elementary School San Rafael, Escazu, San Jose Costa Rica. Ad-Hoc reviewer, International Journal of Consumer Studies (IJCS) 2. National- Regional: 2011-2014 Associate Editor and Editorial Board Member, Family and Consumer Sciences Research Journal 2014 Member Award Committee. Housing Education and Research Association. 2011-2011 Editorial Board Member, Journal of Consumer Affairs. 2005-present Currently: Editorial Board Member, Housing and Society Ad Hoc Reviewer, Journal of Urban Affairs, Ad Hoc Reviewer, Family and Consumer Sciences Research Journal Ad Hoc Reviewer, Housing and Society Ad Hoc Reviewer, Journal of Family and Economic Issues Ad Hoc Reviewer, Journal of Consumer Affairs Ad Hoc Reviewer, Journal of Financial Counseling and Planning Ad Hoc Reviewer, Housing and Policy Debate 2007-2008 Consultant. United Way Salt Lake City. Financial Stability Council. Housing Group. 2007-2009 Chair, Research Committee. Housing Education and Research Association (HERA) 2006-2007 Member, Nomination Committee (HERA) 2005-2006 Member, Academic and Publishing Committee (HERA) 2005-2006 Consultant, American Society of Home Inspectors (ASHI) 2004-2006 Co-Director. Housing Education and Research Association 2005-2006 Reviewer. HERA Annual Conference 2003-2006 Member/Reviewer, American Council on Consumer Interest Applied Research Award 32

2002-2003 Member/Reviewer, Tessie Agan Award. American Association of Housing Educators (AAHH) 2002 Ad-Hoc reviewer, Journal of Family and Consumer Issues (JFCS) 2001 Co-Editor Conference Proceedings. American Association of Housing Educators (AAHH) 3. University Service: 2013-present Committee Member. Tenure and Promotion Committee for Megan Oka, FCHD 2013-present Committee Member. Tenure and Promotion Committee for Lisa Guntzviller. Department of Language, Philosophy and Communication 2014 Teaching Portfolio Mentor (3 nd year), Peter Seldin Teaching Portfolio Workshop. May 5-9: Mentees: Benjamin Burger and Charles Hanifin 2013 Teaching Portfolio Mentor (2 nd year), Peter Seldin Teaching Portfolio Workshop. May 13-17. Mentee: Gary Stewardson 2010-2013 Faculty Diversity and Development Committee Member 2010-13 Faculty Senate. Senator for College of Education. FCHD Department May 2012 Teaching Portfolio Mentor, (1 st year) Peter Seldin Teaching Portfolio Workshop, May 21-25: Mentee: Caroline Lavoie 2011-2013 Advisory Board Member, USU Housing and Financial Counseling Center 2008-09 Faculty Senate. Senator for College of Education. FCHD Department. 2008 Moderator. Session Representing the Immigrant Experience. O.C Tanner Symposium. April 3, 2008. 2008 Presenter. USU Special Collection s Latino /Latina Voices Project. O.C. Tanner Symposium, April 1, 2008 4. Department Service: 2012-2014 Graduate curriculum committee 2012-present Undergraduate curriculum committee Spring 2012 Interim Director Family Life Center Housing and Financial Counseling 33

Spring 2011 Fall 2011 Chair Search Committee, Online Program Coordinator. FCHD Department Future of the Department Committee Member, FCHD 2007-2012 Member, Graduate Admissions and Finance, FCHD Department 2007-2009 Member, Assessment Committee, FCHD Department 2005-2007 Chair, Comprehensive Exams Committee, Consumer Sciences Area 2006-2007 Member, Honor Committee, FCHD Department 2006-2007 Member, Search Committee for Extension Position, Fall 06-Sp 07 2005 Member, Search Committee for Family Life Center Director, Sp-Sum 05 2005-2006 Member, Graduate Program Committee, FCHD Department 2003-2006 Member, Undergraduate Program Committee, FCHD Department 2003-2004 Member, Honor Committee, FCHD Department 2003-2004 Reviewer, College of Education Proposal Review for Thesis and Dissertations 2001 Member, Family Life Scholarship Committee for Human Environment Department, College of Family Life 2000-2003 University Faculty Advisor, Amauta Seminar (USU Multicultural group for promoting diversity) 2000-2003 Advisory Board Member for Family Life Center 1998-2001 Translator, and Co-organizer of First Time Home Buyer Workshops for Family Life Center 1997-2000 Translator, Family Life Center. Interpreter in counseling sessions, translator of several fact sheets, and co-organizer of the First Time Home Buyer Workshops (1999-2000) 5. Community Service 2013-2017 Utah Housing Corporation Board of Trustee Member (re-appointed by Governor Gary Herbert) 2009-2013 Utah Housing Corporation Board of Trustee Member (appointed by 34

Governor Gary Herbert) 2008 USU Cache County Extension. Latino Finances Series (translator and Spanish instructor). 2005-2007 Consultant, Multicultural Center of Cache Valley Executive Board 1996-2004 Treasurer/Secretary Multicultural Center or Cache Valley Executive Board 1999-2001 Chair, Cultural Awareness Sub-Committee. Hispanic Center 35