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. More information about Professor Ghent can be found at www.andraghent.com.