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re: FHFA Director Pulte calls on "Too Late " Jerome Powell to lower interest rates
Posted on 5/27/25 at 10:50 am to SDVTiger
Posted on 5/27/25 at 10:50 am to SDVTiger
quote:
not sure what dropping the fed funds interest rate below historical average is going to accomplish outside of encouraging reckless leveraging/borrowing.......again!!!!
Yeah the fed fund rate at 3.5-3.6 will cause that
Maybe that 30tril in debt that needs to be refied would be an accomplishment
The $37 trillion of US debt will never be addressed using fed monetary policy. The only way US debt is effectively addressed is congress passing a balanced budget amendment. Key interest rates should be fixed at some reasonable rate for lenders and borrowers, leaving those rates alone until real and substantial reduction in US debt is achieved. The era of QE, ZIRP and any other nonsensical fed policies should be banned, people need to have some skin in the game when borrowing money so this "too big to fail" shite never happens again. I don't want to hear another sob story about companies or banks being over leveraged again!!!!!
0
Posted on 5/27/25 at 11:09 am to SDVTiger
Sure Pulte has vested interest, but rates in low to mid 5’s would create massive spark in real estate market, and thereby the retail furniture and appliance market, etc…
Posted on 5/27/25 at 11:11 am to SlayTime
quote:Keynesians on left, keynesians on right, keynesians everywhere!
Sure Pulte has vested interest, but rates in low to mid 5’s would create massive spark in real estate market, and thereby the retail furniture and appliance market, etc…
Posted on 5/27/25 at 11:18 am to SlayTime
I think to have any meaningful supply come on the market rates will have to be low enough to entice all of these homeowners with rates the 3% area to sell and buy larger newer homes.
Just not sure if that is doable.
Just not sure if that is doable.
Posted on 5/28/25 at 6:23 am to Taxing Authority
quote:
Keynesians on left, keynesians on right, keynesians everywhere!
I agree, creating a fourth branch of government that can use politics to set interest rates on the American people with data trend showing Trump has inflation under control is absurd.
But to my greater point
2017 NAHB
2025 Porch Group Media.
Both studies show 70-80 percent of all new homebuyers spend almost $4000 on new furniture/appliances in the first year alone.
I’m guessing Saint Jerome of Transitoryville has all this data as well.
Posted on 5/28/25 at 6:43 am to 4cubbies
quote:you have to define beneficial. Is it beneficial for housing prices to go up or down? That depends on who you ask. I own my home outright so for now, I would rather home prices go down because it affects my taxes. If I was going to sell my house, I would prefer prices go up until after I sell it then I would prefer them to go go back down when I'm looking to buy a new house.
Can someone explain how the housing market would benefit from lower rates?
Posted on 5/28/25 at 7:12 am to bigjoe1
quote:
I think to have any meaningful supply come on the market rates will have to be low enough to entice all of these homeowners with rates the 3% area to sell and buy larger newer homes.
Just not sure if that is doable.
Well the activity that happens when rates drop even .5% says you are wrong
If rates hit anything with a 5% it would be crazy
The pent up demand for buying/selling/refinacing is crazy
Posted on 5/28/25 at 7:49 am to SDVTiger
quote:
If rates hit anything with a 5% it would be crazy
The pent up demand for buying/selling/refinacing is crazy
would also spur the home improvement industries (contractors, suppliers, marketing) that are currently stagnating because people don't want to access their home equity at current rates.
Posted on 5/28/25 at 8:00 am to 4cubbies
quote:
Won't lowering interest rates just cause home prices to increase?
The only time prices have come down is when rates went up.
Can someone explain how the housing market would benefit from lower rates?
FFS, are you really this economically illiterate?
You don’t understand how lowering rates would help the housing market?
Posted on 5/28/25 at 8:01 am to moneyg
quote:
You don’t understand how lowering rates would help the housing market?
4cubbies is a total moron
Posted on 5/28/25 at 8:13 am to 4cubbies
quote:
We hear about the housing shortage so often
Its not real. The shortage is artificial and created by things like hedge funds buying whole developments of SFHs for rentals, boomers with 2nd and 3rd houses, "zombie houses", and STRs.
The inventory might be short in some cities, but not as short as they have been preaching. We are short on new houses because people have been led to believe they have to buy a newer house instead of an older house or a fixer-upper. There are houses to be had in decent areas that need a little work, but people often overlook them.
I bought a house last week to add to my rental portfolio. It was a foreclosure that needs repairs, and anyone could have bought it but many passed on because they probably didn't want to put in the work and have equity. They want new or remodeled. I could easily flip it for $80K profit, meaning if someone bought it and put in the work like I will, they could have equity from day one. A lot of people just don't want to do that anymore for some reason.
This post was edited on 5/28/25 at 8:15 am
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