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America has finally begun to acknowledge an uncomfortable truth: We don’t simply have an affordable housing funding problem—we have an affordable housing production problem. The recently enacted federal housing affordability legislation reflects that reality. Rather than focusing solely on increasing subsidies, policymakers have recognized that the nation must expand its capacity to build. More builders. […]

A few weeks ago, I opened ChatGPT and asked a question millions of homebuyers are about to start asking: “What’s the best mortgage company to get pre-approved quickly online?” Four minutes and sixteen seconds later, it gave me a specific lender. Not a list of ads. Not “consult a professional.” A name, a rationale and