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The Federal Reserve just lowered its benchmark interest rate by 25 basis points (0.25%). For many homeowners, that headline sounds like the start of another wave of bidding wars and skyrocketing prices. After all, lower rates mean more buyers can afford to borrow—right? Not so fast. Mortgage Rates Already Knew This Was Coming Mortgage rates […]
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Introduction: The Myth of Rate Cuts as a Cure-All Whenever the Federal Reserve signals that rate cuts are forthcoming, markets and media often assume that it will immediately translate into cheaper mortgages, stronger housing demand, and an economic revival. But this assumption overlooks two crucial realities: (1) today’s housing affordability crisis is driven far more […]
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Conventional wisdom says that when the Federal Reserve cuts interest rates, the housing market breathes a sigh of relief—mortgage rates fall, buyers rush in, and prices hold steady. But economist Richard Werner has spent decades challenging this assumption. His research shows that interest rates don’t lead the economy—they follow it. When growth slows, rates fall […]
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In a week marked by political theater and economic uncertainty, the Federal Reserve held interest rates steady at 4.25–4.50%—despite mounting pressure from President Trump, who made a headline-grabbing visit to the Fed’s headquarters, urging immediate cuts. Meanwhile, Trump’s sweeping tariffs are raising construction costs, and residential housing inventory is climbing fast. But instead of signaling […]
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In recent weeks, policymakers have teased what’s being called the “Big Beautiful Bill”—a sweeping legislative package that could reshape the American housing market. While the exact text hasn’t been released, early signals from lawmakers suggest the bill will focus on boosting housing supply, incentivizing development, and addressing affordability head-on. For real estate professionals, investors, and […]
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The trade winds shifted this morning as the U.S. and Japan announced a tariff deal trimming duties on autos and other goods. The headlines sound optimistic—tariffs on Japanese cars drop from 27.5% to 15%—but don’t get too excited just yet. That 15% “baseline” is still far higher than pre-trade-war levels, which means the pressure on […]
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The June inflation report added another wrinkle to the housing market. With consumer prices rising faster than expected, the Federal Reserve is unlikely to cut rates at its next meeting. That decision could keep mortgage rates higher for longer, slowing buyer demand, maintaining elevated inventory, and placing downward pressure on home prices. For buyers, this […]
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At a panel hosted by the European Central Bank in Sintra, Portugal, on July 1, 2025, Fed Chair Jerome Powell explained that the U.S. central bank had paused plans for further interest rate cuts due to President Trump’s sweeping tariff policy. This hesitation reflects their desire to fully measure how tariffs could influence inflation before […]
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This summer was supposed to bring a wave of momentum back to the real estate market—warmer weather, eager buyers, and maybe even some relief on mortgage rates. Instead, it’s brought bombs over Iran, rising oil prices, and a Federal Reserve that’s digging in its heels. So what happens now? Let’s break down how the dramatic […]
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How the Fed’s Rate Hold Impacts Housing Inventory and Prices On June 18, 2025, the Federal Reserve voted to hold interest rates steady at 4.25–4.50%, signaling caution in the face of persistent inflation and global trade uncertainty. While the Fed still projects two rate cuts later this year, today’s decision sends a clear message: they’re […]
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