‼️This is great news for American home buyers.

• Fannie Mae and Freddie Mac hold roughly $200 billion in cash
• That money can be used to buy mortgage bonds
• When demand for mortgage bonds rises, mortgage rates fall
• Lower rates mean lower monthly payments
• Lower payments restore affordability without inflating house prices

This approach targets the cost of money, not the price of houses. Most housing “solutions” inflate demand with subsidies, tax credits, or cheap loans, which just pushes prices higher. This does the opposite.

• It uses existing capital, not new debt or money printing.
That’s key; no inflationary pressure, no ballooning federal spending.

• Mortgage bonds are directly tied to mortgage rates.
When a massive buyer enters that market, yields fall, and lenders can offer lower rates immediately.

• Lower rates reduce monthly payments without distorting supply. People can afford homes again without triggering another speculative bubble.