01/12/2026
$200 BILLION DOLLAR INVESTMENT?!
📊 Early Q1 Housing News: Mortgage Rates, Inventory, and What Washington Is Trying Next!
We’re still in a market where affordability is tight, inventory is limited, and buyers are watching every move that could change monthly payments.
Here are three big housing proposals being discussed early in Q1:
1) $200B into Mortgage Bonds (MBS)
President Trump has directed housing agencies tied to Fannie Mae & Freddie Mac toward a $200 billion mortgage-bond purchase plan with the goal of pushing mortgage rates lower and improving affordability.
2) Ban / Restrict Hedge Funds & Large Institutional Buyers
He’s also pushing to ban large institutional investors from buying so many single-family homes, aiming to reduce Wall Street competition and put more homes back in reach for owner-occupants.
3) Transferable Mortgage Ideas (Portable / Expanded Assumable Options)
To reduce the “lock-in effect” (people not moving because they don’t want to lose a low rate), the administration/FHFA has been discussing portable mortgages (taking your rate with you) and broader use of assumable-style options beyond today’s limited programs.
The big question:
Do these ideas actually improve affordability, or do they mostly increase demand and push prices higher?
👇 What do you think happens next in Q1 — do we see lower rates, more listings, higher prices… or a mix of all three?
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