There’s a lot happening right now in the world of mortgages and the housing market — and I want to break it down in a way that matters to you.
Here’s the big picture:
📉 Mortgage Rates Just Got a Boost
President Trump recently directed Fannie Mae and Freddie Mac to buy up to $200 BILLION worth of mortgage-backed securities in an effort to put downward pressure on mortgage rates. The announcement caused 30-year fixed mortgage rates to dip briefly below 6%, the lowest in about three years.
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He framed this move as a way to lower monthly payments and improve homeownership affordability.
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FHFA Director Bill Pulte confirmed Fannie and Freddie will execute the purchases.
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But experts caution this plan alone may only moderately reduce rates (perhaps another 10-25 basis points).
What this means for you: Even modest rate relief can significantly impact monthly payments and qualify more buyers — but it’s unlikely to instantly send rates into the low 5% range without broader market forces.
📈 Affordability Is Trending in the Right Direction
According to recent expert forecasts, housing affordability is finally improving heading into 2026, and here’s why:
✅ Mortgage rates have already come down from prior peaks — helping lower monthly payments.
✅ More inventory is entering the market — buyers have more options and negotiation power than in recent years.
✅ Home price growth is slowing — experts see prices rising more moderately (around ~1.6% nationally), rather than sharply.
All of this adds up to more people actually being able to buy or sell with confidence in 2026 — without the dramatic swings we’ve seen before.
🏡 What This Means for You
Whether you’re thinking about buying, selling, upgrading, refinancing, or investing in 2026, here’s what to know:
✨ Lower rates — even modest declines — help increase buying power.
✨ More inventory gives buyers more choice and sellers better positioning.
✨ Slower price growth keeps markets sustainable — good for long-term value.
Bottom line:
The market is showing signs of better balance — and this could be your chance to make a move with more certainty than we’ve had in years.
If you’d like a personalized snapshot of how these trends affect your specific goals (buying vs. selling, timing, payment scenarios), just reply to this email or book a call with me below — I’d love to help.
