Rebounding mortgage rates dampen homebuyers' appetites
After hitting a 2025 low on Oct. 28, mortgage rates continue to rise as hopes dim for a December Fed rate cut. Futures market investors see only a 34% chance of a Dec. 10 rate cut.
by Matt Carter Nov 19
Don't merge Fannie and Freddie, says their biggest investor
Billionaire investor Bill Ackman floats plan to relist mortgage giants on the New York Stock Exchange this year, but says it's too soon for the government to sell any of its stake
by Matt Carter Nov 18
Fed Chair Jerome Powell standing in front of the Federal Reserve building to illustrate how the federal reserve impacts real estate.
The resignation of Biden appointee Adriana Kugler and pending retirement of Atlanta Fed President Raphael Bostic renews speculation that Trump will seek to undermine Fed independence
by Matt Carter Nov 17
Trump's 50-year mortgage is 'a big nothingburger' for homebuyers
The Trump administration says it's also looking at assumable mortgages and 'ways to give relief' on 5- and 10-year loans, after mortgage experts pan 50-year mortgages as bad deal for borrowers
by Matt Carter Nov 10
New Fannie, Freddie housing goals may hurt working families
A coalition of groups has warned that the Trump administration's goals for the mortgage giants will leave up to 177K lower income homebuyers looking elsewhere for a loan
by Matt Carter Nov 4
Fannie and Freddie build net worths for planned Q2 2026 public offering
For the real estate and mortgage industries, it remains to be seen how the new course the Trump administration has set for Fannie and Freddie will impact homebuyers
by Matt Carter Oct 30
Mortgage rates spike as Powell warns December rate cut is iffy
After the Federal Reserve approved the second rate cut of the year, mortgage rates moved in the opposite direction as investors who fund most home loans worry about inflation
by Matt Carter Oct 29
Lower mortgage rates spur homebuyers, but mostly refis
Rates on 30-year fixed-rate mortgages hit another 2025 low on Tuesday, dropping to 6.12%, nearly a full percentage point lower than January. Rates now have less room to come down
by Matt Carter Oct 29
Mortgage rates just hit a new 2025 low. They might be stuck there.
MBA forecasts rates will probably stay right where they are now in 2026, as investors have already priced in future Fed rate cuts. But look for 3 years of steady growth in home sales ahead
by Matt Carter Oct 22
Mortgage rates ebb as Powell hints at end of 'quantitative tightening'
Fed chair dismisses suggestion that central bank could resume its purchases of mortgage-backed securities to bring down mortgage rates and improve housing affordability
by Matt Carter Oct 15
Trump's Fannie, Freddie public offering might not have much impact on mortgage rates
If the US maintains tight control over the mortgage giants with 'implicit guarantee' of their obligations, rates might rise by 1/5 of a percentage point, Stanford researchers say
by Matt Carter Oct 3
Credit bureaus slam plan to cut them out of FICO score pricing
Lending industry groups and FHFA director Bill Pulte welcomed Fair Isaac's new direct license pricing as a useful first step, but said more reforms and competition are needed
by Matt Carter Oct 2
Government shutdown could bring mortgage rates down
Investors seeking safety in bonds and mortgage-backed securities can bring rates down. Yields on 10-year Treasurys fell 4 basis points on first day of shutdown
by Matt Carter Oct 1
Federal Reserve Governor Lisa Cook speaks with Fed Chair Jerome Powell at a June 25, 2025 open meeting at the Federal Reserve Board building in Washington, D.C.
The legal battle over the Fed's independence will drag into next year, with the Supreme Court to hear oral arguments in January on the Trump administration's bid to fire Cook
by Matt Carter Oct 1
Democrats seek transparency into Fannie, Freddie 'reprivatization'
The Trump administration has assured industry groups that a stable housing finance system and low mortgage rates are a 'North Star' in their plans, but Dems complain they've been shut out
by Matt Carter Sep 26