by Ian Cahoon, Director of Innovations, Ivory Innovations Students from Harvard, University of Utah and Willamette University propose solutions to improve lending to first time buyers, increase access to affordable housing and develop cost-reducing construction methods to increase homeownership  SALT LAKE CITY, Oct. 1, 2025  - Ivory Innovations ,  both an operating foundation and a nonprofit academic center based at the University of Utah David Eccles School of Business, toda

As the new Presidential Administration settles into Washington, DC, many are asking: what comes next? A critical topic is examining and improving the landscape of “small-dollar mortgages.” A recent opinion piece in The New York Times explains that small-dollar mortgages—generally loans under $100,000—make up a significant portion of the housing market but remain underserved by traditional mortgage lenders. In fact, a substantial percentage of homes in certain areas fall with