ARTICLE
13 August 2026

How The Mortgage Industry Is Responding To The Housing Affordability Crisis

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Housing affordability has emerged as a critical challenge for American homebuyers, with persistently high costs, limited inventory, and reduced market turnover creating unprecedented barriers to homeownership. Legal and policy experts examine the multifaceted dimensions of this crisis and explore potential solutions that balance supply-side constraints with demand-side pressures while maintaining essential consumer protections.
United States Real Estate and Construction
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Housing affordability has become one of the most pressing challenges facing American homebuyers. In the article “How the Mortgage Industry Is Responding to the Housing Affordability Crisis” published in Business Law Today, Consultant Daniel Brown, Godfrey Kahn Shareholder Andrew Spillane, Husch Blackwell Partner Leslie Sowers, Center for Responsible Lending Senior Policy Counsel Anneliese Lederer, and Inclusive-Partners Founder Brad Blower examine the growing housing affordability crisis in the wake of the COVID-19 pandemic.

The data on affordability show persistently high housing costs, low inventory, longer homeowner tenure, and less turnover. Supply constraints and low turnover have reduced inventory, and median housing cost burdens have risen. The authors discuss potential policy-based solutions to address supply- and demand-related challenges in housing affordability, making special note to ensure solutions protect consumers.

To view the full article please click here.

Originally published in Business Law Today

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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