Algenon Cash, Managing Director of Wharton Gladden & Company, recently published an op-ed in Carolina Journal examining why proposed mortgage program tweaks are insufficient to address North Carolina’s underlying housing shortage.
In the commentary, Cash outlines how structural constraints — including supply limitations, land use policy, labor costs, and capital availability — drive housing affordability challenges far more than adjustments to lending terms alone. The piece emphasizes that without expanding real supply and reducing systemic barriers, temporary incentives or tweaks to mortgage mechanics will have limited impact.
Drawing on his experience in real estate, capital markets, and economic strategy, Cash encourages policymakers and business leaders to pursue a holistic approach that addresses supply, zoning incentives, workforce needs, and investment frameworks that expand housing production sustainably.
Wharton Gladden contributes to informed public dialogue on economic and market issues as part of its broader commitment to thoughtful analysis, disciplined capital allocation, and long-term value creation.
Read the full op-ed in the Carolina Journal.
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Attribution
Originally published as an op-ed in the Carolina Journal.
