Critical issues face the current housing market, including the shortage of millions of housing units, high interest rates, and the disparity in home ownership and accessibility. Vice President of Housing Finance Policy at the Urban Institute, Janneke Ratcliffe, joins us to break down these multifaceted challenges. We cover the historical context of government housing policies, the racial homeownership gap, and the lingering effects of past housing practices. The episode sheds light on potential solutions, including the role of federal grants, tax credits, regulations, and new technologies in home building. Tune in to understand how housing continues to be a major issue in the policial universe and what it means for the future of American homeownership.