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Michael Neal

As seen in: The Washington Post, Newsweek, The Hill, Chron, Seeking Alpha, Barron's, OffMetro NY, Urban Institute, Eye On Housing (NAHB), DS News and
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Articles

Housing Finance at a Glance: A Monthly Chartbook, June 2026

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By Laurie Goodman, Michael Neal, Jung Hyun Choi
| Urban Institute
Housing Finance at a Glance is a monthly reference guide for mortgage and housing market data. It includes over 80 curated and updated figures describing current trends in the US housing finance market, including housing affordability, credit availability, serious delinquency rates, and mortgage insurance activity. These trends stood out most to housing finance policy researchers from this chartbook edition: Mortgage rates remain elevated (page 9).
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Housing underbuilding weakens wealth building

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By Jeff Bond, Michael Neal
| Scotsman Guide Verified
The lack of housing is one of the critical challenges facing the for-sale market. The housing shortfall is partially due to significant underbuilding around the country, amplified by the sizeable population of millennials and Generation Z moving through their homebuying years. Ultimately, these trends threaten to limit or delay homeownership and wealth-building opportunities for many of these households. Building a single-family home is a complex process with many steps.
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Buy Now, Pay Later: Recent Developments and Implications for Mortgage Lending

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By Sarah Rosen Wartell, Alanna McCargo, Michael Neal
| Urban Institute
Buy now, pay later (BNPL) loans have become more common over the past few years. This innovative financial product has the potential to disrupt the financial services industry by facilitating short-term credit access. Recent research suggests that BNPL use is common among young consumers and individuals with low credit scores, but it is present across all income and credit levels.
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