03/02/2026
Quick mortgage update!
Buying mortgage bonds can help rates, but it’s not a magic button. Rates move when inflation cools and investors trust the long-term plan, not just a headline.
A few things worth saying out loud:
• Bond buying is usually a Fed move, not a presidential switch
• $200B doesn’t mean rates drop overnight
• If inflation stays hot, the market pushes back
• Lower rates without more housing supply often just push prices higher
Could this help at the edges? Sure.
Will it “fix” housing by itself? No chance.
There’s no one-lever solution to housing.
Rates matter, but supply, costs, insurance, and taxes matter too.
I don’t root for politics.
I root for stable markets and payments families can actually afford.
Hope is good.
Math still wins
Have a great week!!