Housing affordability is a top concern for many Americans, and both chambers of Congress have been advancing legislation to help prospective homeowners—though it may take years for those benefits to actually materialize. 

This past week, the House of Representatives passed a bipartisan bill called the Housing for the 21st Century Act, which aims to increase the supply of affordable housing. That sets the stage for some political wrangling ahead. The Senate previously passed its own bipartisan legislation in October as part of a broader package, before it was stripped from the final bill, and it is now considering the stand-alone bill, the ROAD........

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