AG

Andra Ghent

Professor of finance at University of Utah
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Andra Ghent is a Professor of Finance at the University of Utah where she holds the Ivory-Boyer Chair in Real Estate. She is the Academic Director of the Ivory-Boyer Real Estate Center. Her current research interests are real estate finance, financial intermediation, and urban economics. Her research has been cited in US congressional testimony and by media outlets such as The New York Times, The Wall Street Journal, The Washington Post, Forbes, and Bloomberg. Her research has been published in top academic journals such as the Journal of Financial Economics, Journal of Urban Economics, Management Science, the Review of Economic Studies, and the Review of Financial Studies. She is an Associate Editor at the Review of Financial Studies and the Journal of Financial Economics. She teaches courses on housing affordability and real estate finance.

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  • Deregulation and Tariffs: Key Factors in Housing Affordability
    Andra highlights that "deregulation is critical" for affordability, as zoning limits development. She warns tariffs on materials like lumber will raise costs. With mortgage rates above 7%, she advises buyers to "shop around" and consider ARMs. Immigration policy shifts could also increase construction costs, impacting affordability.
  • FED Rate Decision: Impact on Homeowners and Election Dynamics
    Andra says, "The current 30-year mortgage rate already reflects market expectations. The FED's decision will reveal more about future rate paths." She adds, "A rate cut might align voter perceptions with economic strength, potentially aiding Harris, but neither candidate influences FED decisions."