Why is homeownership becoming increasingly out of reach for young Americans? In this episode of Main Street Matters, Elaine Parker sits down with Heritage Foundation economist John Gibbs to discuss the housing affordability crisis, rising home prices, government-backed mortgages, investor-owned properties, and the policies shaping today's housing market.

Gibbs explains how government intervention, mortgage market policies, investor activity, immigration-driven demand, and housing finance programs may be contributing to skyrocketing housing costs. He also shares his controversial views on 30-year mortgages, mortgage-backed securities, investor tax incentives, and what reforms could help make homeownership attainable again for the next generation.