01/11/2026
President Trump’s Housing Announcement – What It Means for You
✅ $200B Fannie/Freddie MBS Purchase
This move increases demand for mortgage-backed securities, which can help push mortgage rates slightly lower. For buyers and refinancers, that means potential savings—but the impact will be modest compared to the Fed’s COVID-era actions.
✅ Proposed Corporate Ban
Aimed at stopping large corporations from buying single-family homes for rentals. This could reduce competition for homebuyers and keep more homes available for families. However, it will take time to implement and won’t immediately solve affordability challenges.
✅ Affordability Measures Coming
LLPA (Loan-Level Price Adjustments): Lowering these fees could reduce rates for borrowers, especially those with credit scores below 720.
FHA Premiums: Cutting monthly insurance costs would lower payments for first-time and lower-income buyers.
Credit Report Changes: Removing the tri-merge requirement could save $50–$100 upfront, reducing closing costs.
Bottom Line:
Rates may see slight improvement, but long-term affordability depends on increasing housing supply.
📩 Thinking about buying or refinancing? Message me today to see how these changes could impact your plans!
