Lucy Delgadillo

Publications | Abstracts

• Christensen, A., Johnson, A.C, Dew, J.P, Delgadillo, L., (2012). Financial Personalities and Relationship Quality. AFCPE

An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.

Publications | Book Chapters

• Delgadillo, L., (2023). Financial behavior and financial wellbeing: A research agenda on consumer financial behavior. Edward Elgar Publishing
• Delgadillo, L., (2023). Financial behaviors and financial wellbeing of the LGBT+ population: A research agenda on consumer financial behavior. Edward Elgar Publishing Ltd
• Delgadillo, L., (2018). Personal Finance Competencies in the Context of the Practice of Financial Counseling. : Financial Counseling. Springer Nature
• Delgadillo, L., (2016). Financial Counseling and Financial health: Handbook of Consumer Finance Research. Handbook of Consumer Financial Research
• Delgadillo, L., (2015). Financial Counseling and Financial Health: Handbook of Consumer Finance Research, 2nd edition. Springer
• Delgadillo, L., (2015). Consumer Activism Movement in Central America and Panama: An Encyclopedia of Watchdos and Whistle Blowers. ABC-CLIO
• Delgadillo, L., (2015). Consumer Activism: An encyclopedia of Watchdogs and Whistle Blowers: Consumer activism movement in Central American and Panama . ABC-CLIO *
• Delgadillo, L., Jewkes, M., (2012). The Encyclopedia of Housing, Second Edition: Affordability. SAGE Publications

An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.

Publications | Fact Sheets

• Delgadillo, L., Hawkes, L., (2009). Closing Costs.
• Delgadillo, L., Hawks, L., McCay, T., (2009). Completando la Aplicacion para la Hipoteca.
• Delgadillo, L., Hawkes, L., McCay, T., (2009). Completing a Mortgage Loan Application.
• Delgadillo, L., Hawkes, L., (2009). Haciendo la Oferta y Negociando el Precio.
• Delgadillo, L., Hawkes, L., (2009). Making an Offer and Negotiating the Price.
• Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: How much income should be devoted to a house payment?.
• Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: Calculate how much house can you afford?.
• Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: Are you ready to purchase a home? .
• Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: Steps involved in purchasing a home. .
• Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: The elements of a house payment..
• Delgadillo, L., (2005). How to find a reliable contractor. FL/HO-08 revised)
• Delgadillo, L., (2002). A broker, a Realtor... Who are they? .
• Delgadillo, L., Hawks, L., (2002). Casas de Alquiler.
• Delgadillo, L., (2002). Como Encontrar un Constructor de Confianza.
• Delgadillo, L., (2002). De que Precio es la Casa que Usted Puede Comprar? (How much House Can you Afford?).
• Delgadillo, L., Hawkes, L., (2002). Evaluando Sus Necesidades de Vivienda.
• 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
• Delgadillo, L., (2002). Inspeccion de la Vivienda.
• Delgadillo, L., Hawks, L., (2002). Major Appliances Selection.
• Delgadillo, L., Hawks, L., (2002). Rental Housing.
• Delgadillo, L., Hawkes, L., (2002). Su Historia de Credito.

An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.

Publications | Journal Articles

Academic Journal

• Delgadillo, L., Erickson, L., (2024). Incorporating Subjective Measures of Problematic Money Issues in Extension Workshops. Journal of Extension
• Delgadillo, L., (2022). Using Wlodkowski Model to Enhance Motivation to Learn Financial Education. Journal of Family and Consumer Sciences, 114:2, 51-55. doi: https://doi.org/10.14307/JFCS114.2.49
• Delgadillo, L., (2021). Investigating Financial Biases that Can Increase Impact on Paying Bills and Saving. . Journal of Financial Therapy, 12:2, 116-135. doi: https://doi.org/10.4148/1944-9771.1267
• Delgadillo, L., Lee, Y.G, (2021). Association between financial education, affective and cognitive financial knowledge, and financial behavior. Family and Consumer Sciences Research Journal, 50:1, 59-75. doi: 10.1111/fcsr.12414
• Devaney, S., Wilmarth, M., Lee, Y., Delgadillo, L., Spangler, A., (2019). Helping graduate students develop a research path. Family and Consumer Sciences Research Journal, 47:4, 384-394.
• Delgadillo, L., (2019). Demonstrating teaching excellence for tenure and non-tenure tract positions in Family and Consumer Sciences. Family and Consumer Sciences Research Journal, 47:4, 375-383.
• Delgadillo, L., (2018). Collegiality as a Component in Faculty Development. Journal of Family and Consumer Sciences, 110:3, 58-62.
• Devaney, S., Delgadillo, L., Spangler, A., (2018). Tips from the Experts on Conducting and Reviewing Qualitative Research. . Family and Consumer Sciences Research Journal, 46:4, 396-405. doi: https://doi.org/10.1111/fcsr.12264
• Delgadillo, L., (2017). Recognizing Linguistic Cues to Align Financial Coaching Strategies with the Transtheoretical Model of Change. Journal of Extension, 55:6
• DeVaney, S., Delgadillo, L., Lee, Y., Spangler, A., (2017). From submission to acceptance: Publishing in an Academic Research Journal. Family and Consumer Sciences Research Journal, 46:1, 24-30. doi: 10.1111/fcsr.12224
• Delgadillo, L., Lance, P., Joe, G., (2016). A case study demonstrating the use of appreciative inquiry in a financial coaching program.. Family and Consumer Sciences Research Journal, 45:2, 166-178.
• Delgadillo, L., (2016). Best practices for collaboration in research. Family and , 45:1, 5-8. doi: DOI: 10.1111/fcsr.12175
• Delgadillo, L., (2016). Identifying the impact of research for tenure and promotion in family and consumer sciences. Family and Consumer Sciences Research Journal, 44:3, 255-263.
• Delgadillo, L., (2016). Pedagogical experience of teaching a financial coaching class. Journal of Financial Therapy, 7:1, 49-64.
• Delgadillo, L., (2015). Using Individual Development Accounts to sustain homeownership and foster financial skills. Journal of Family and Consumer Sciences, 107:3, 17-25.
• Delgadillo, L., S.B, (2015). Financial coaching and financial therapy. Family and Consumer Sciences Research Journal, 44:1, 63-72.
• Delgadillo, L., (2015). Coaching and Financial Counseling Communication Skills: A Comparative Analysis. Family and Consumer Sciences Research Journal, 43:3, 259-268.
• Delgadillo, L., Perry, T., (2014). Coaching components in Individual Development Accounts: Insight and lessons applicable to financial programs. . The Forum for Family and Consumer Issues, 14:2
• Delgadillo, L., Stokes, C., Lown, J.M, (2014). Descriptive Analysis of Reverse Mortgage Counseling Clients. Journal of Financial Counseling and Planning, 25:2, 115-128.
• Delgadillo, L., Allen, J., DeHart, P., (2014). Perceived financial costs and neighborhood efffect of foreclosures by next-door neighbors in USDA rural areas. Housing and Society, 41:2, 177-194.
• Delgadillo, L., (2014). Financial clarity: education, counseling, planning, coaching. Family and Consumer Sciences Research Journal, 43:1, 18-28. doi: DOI: 10.1111/fcsr.12072
• Delgadillo, L., (2014). FCS leadership in financial health. Journal of Family and Consumer Sciences, 106:3, 16-21.
• Aaberg, J., Delgadillo, L., (2013). Realtors' Perspective of First Time Home Buyers . Family and Consumer Sciences Research Journal, 42:1, 14-28.
• Nelson, S., Delgadillo, L., Dew, J.P, (2013). Housing Cost Burden and Marital Satisfaction. Marriage and Family Review, 49:6, 546-561.
• Delgadillo, L., (2012). Mortgage Default and Well-Being: International Encyclopedia of Housing. Elsevier Publishing Ltda, 358-353.
• 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 indexes used by practitioners. Financial Counseling and Planning, 21:2, 43-52.
• Delgadillo, L., L.R, Christensen, A., Roberts, A., Skogrand, L.M, (2009). Making Learning a Family Affair: Principles for Attracting Latinos to Extension Finance Classes. The Forum for Family and Consumer Issues, 14, 2.
• Delgadillo, L., K.C, (2008). Establishing a link between subprime lending, payday lending and housing costs.. Housing and Society, 34 (2), 119-136.
• Delgadillo, L., E.L, (2008). The need for predatory mortgage education: Expert views. Journal of Extension, 46 (5), n.a..
• Delgadillo, L., G.L, (2007). An analysis of mortgage default clients and mortgage default counseling. Financial Counseling and Planning Journal, 18 (1), 31-39.
• Delgadillo, L., G.L, (2007). Estimating pre-purchase housing counseling and education costs per client.. Journal of Extension, 45 (6)
• 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., (2006). Spatial Analysis of Mortgage Default in a Metropolitan county. Housing and Society, 33:1, 37-46.
• Delgadillo, L., Erickson, u., (2006). An exploration of off-campus student housing satisfaction.. Journal of Family and Consumer Sciences, 98 (4), 9-May.
• Delgadillo, L., G.A, (2006). Borrower and mortgage related factors associated with FHA foreclosures.. Family and Consumer Sciences Research Journal, 34 (3), 204-222.
• Delgadillo, L., Erickson, L., Coster, D.C, (2006). Concentrations of subprime lending activities, equity risk factors, and bankruptcy filings.. Housing and Society, 33 (2), 87-107.
• 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., (2006). Spatial analysis of mortgage default in a metropolitan county. Housing and Society, 33 (1), 33-46.
• Delgadillo, L., Erickson, L., Lown, J.M, (2006). Targeting bankruptcy consumer prevention to vulnerable census tracts.. Forum for Families and Consumer Issues,, 11 (2)
• Delgadillo, L., E.C, (2005). Price of Shelter: housing issues affecting low income, new immigrant Latinos. Housing and Society, 32:1

Professional Journal

• Delgadillo, L., B., (2015). Reliability analysis of the Money Habitutes. Journal of Extension, 53:2
• Delgadillo, L., (2012). Assessment of Consumer Protection and Consumer Empowerment in Costa Rica . Journal of Consumer Policy
• Delgadillo, L., E.L, Piercy, K.W, (2008). Disentangling the differences between abusive and predatory lending: Professionals perspectives.. Journal of Consumer Affairs, 42, 313-334.
• Delgadillo, L., Sorensen, 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). Financial profile of first time home buyers in Northern Utah. Housing and Society, 30:1, 86-103.
• Delgadillo, L., (2003). Guidelines for reaching out and counseling low income monolingual Latino clients. Journal of Extension, 41:6
• 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, L.K, Delgadillo, L., Cann, S., (2000). Community vitality indices: Western states rural comparisons. Housing and Society, 27:1, 33-43.
• Delgadillo, L., Dorwart, J., (1998). Home buyer program assists Hispanic families in Northern Utah. Journal of Family and Consumer Sciences, 90:2, 56-59.
• 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.

An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.

Publications | MultiMedia

An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.

Publications | Other

Bulletins

• Delgadillo, L., (2002). Evaluando sus necesidades de vivienda [Assessing Your Housing Needs]. Utah State University Cooperative Extension
• 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
• Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: Casas de alquiler [Rental housing] (FL/HO-19S). Utah State University Cooperative Extension
• 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
• Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: Inspección de la vivienda [Home Inspection] (FL/HO-10S. Utah State University Cooperative Extension
• Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: Rental housing (FL/HO-19). Utah State University Cooperative Extension
• Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: Su historia de 10 crédito [Your Credit History] (FL/HO-09S).. Utah State University Cooperative Extension
• 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

Magazine/Trade Publications

• Delgadillo, L., (2008). Latino values and acculturation: What do they have to do with dental care?. The Nugget (Sacramento District Dental Society Magazine)

Newsletter

• Delgadillo, L., (2005). Major appliance selection. Extension Cord Newsletter
• Hawks, L.K, Delgadillo, L., (2004). How much house can you afford? Opening the door to home ownership. Home Ownership Education Study Guide
• Delgadillo, L., (1996). Dirty dozen review. CEI UpDate Newsletter

Other

• Delgadillo, L., (2019). Buy a Home if the Numbers Work Out: Personal Finance.
• Delgadillo, L., Hawks, L.K, McCay, I., (2009). Completando la aplicación para la hipoteca. FL/Homeownership/2009-02S
• Delgadillo, L., Hawks, L.K, (2009). Costos de cierre. FL/Homeownership/2009-07S
• Delgadillo, L., (2009). Closing costs. FL/Homeownership/2009-07. *
• Delgadillo, L., (2009). Completing a Mortgage Loan Application. FL/Homeownership/2009-02. *
• Delgadillo, L., (2009). Making an offer and negotiating the price. FL/Homeownership/2009-24. *

An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.