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Started By
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1
Posted on 1/8/26 at 4:41 pm to First Sergeant1
quote:
He has and continues to do more for America than any other president in my lifetime.
FYI, this will make affordability worse in the long run. Short term it will help some new buyers get into a home, but it's just more kicking the can down the road. Same thing we have done since 2008
Posted on 1/8/26 at 4:41 pm to stout
Supply of homes is going up every day along with the deportation numbers
Posted on 1/8/26 at 4:42 pm to Kjnstkmn
quote:
Supply of homes is going up every day along with the deportation numbers
Those are mostly rentals, which is why cities like Austin now have rental rates below 2019 levels.
Posted on 1/8/26 at 4:50 pm to Kjnstkmn
Now THAT is management thinking
Posted on 1/8/26 at 4:55 pm to Kjnstkmn
That won't do shite.....and what's worse, as an RE guy he knows it.
Posted on 1/8/26 at 4:56 pm to Big Scrub TX
Monthly payments are more so the problem rather than housing prices.
Posted on 1/8/26 at 4:59 pm to Veritas
quote:
Monthly payments are more so the problem rather than housing prices.
You don't think the former is a direct function of the latter?Posted on 1/8/26 at 4:59 pm to hawkeye007
quote:
fast forward to 25 and lowering interest rates will continue to raise home prices .
Yes. What needs to be reviewed is the appraisal policies because I believe this was an equal blame for the fast increase in housing prices.
Not sure if it is the same today, but the most recent last three sales comps to justify a price was the basis of value. In a normal slow market that may be correct.
In a quick boom market that is abnormal, using the 3 recent comps will quickly inflate a market out of control. My opinion is their should be a 1 and 3 year benchmark when values spike 15% month over month for a period of time. Not to say that buyers cannot pay the market price they determine, but that the loan value should be capped. If you take out institutional buyers, individual buyers will not be outbid which is what caused the price spike.
Posted on 1/8/26 at 4:59 pm to stout
quote:You made is sound like bonds weren't being bought in both scenarios.
Using cash on had to buy bonds is not QE no matter how you spin it
The FED is not involved
No new money is created
Reallocates existing cash
This is for housing only. Not systemic
Posted on 1/8/26 at 5:01 pm to Big Scrub TX
5% on 500k is better than 7% on 450k
Posted on 1/8/26 at 5:04 pm to Big Scrub TX
I said this is not QE, and it isn't
Posted on 1/8/26 at 5:06 pm to fwtex
That's not the only reason prices spiked and institutional buyers were getting the bulk at a slight discount and then charging and forcing up rents due to demand.
You're not going to buy 100 houses at a premium, you're going to make a deal on a volume discount that takes the pressure off guys like Horton and Pulte to name few.
You're not going to buy 100 houses at a premium, you're going to make a deal on a volume discount that takes the pressure off guys like Horton and Pulte to name few.
Posted on 1/8/26 at 5:06 pm to stout
I was responding to this:
That doesn't seem to track with the point you are actually trying to make, which is why I suggested:
The difference in printing money to buy bonds vs using cash on hand to buy bonds.
quote:
the difference in bonds vs using cash on hand.
That doesn't seem to track with the point you are actually trying to make, which is why I suggested:
The difference in printing money to buy bonds vs using cash on hand to buy bonds.
Posted on 1/8/26 at 5:08 pm to stout
quote:Yes, I agree. That's why I think your verbiage was incorrect. I am literally quoting you!
I said this is not QE, and it isn't
Posted on 1/8/26 at 5:08 pm to Big Scrub TX
Gotcha
My bad
My bad
This post was edited on 1/8/26 at 5:09 pm
Posted on 1/8/26 at 5:10 pm to stout
Another question is: does POTUS have the authority to just order Fannie to do something? It seems like he can order OTHER govt agencies to buy Fannie bonds, but doesn't seem clear to me he can make Fannie itself do stuff.
Posted on 1/8/26 at 5:14 pm to Big Scrub TX
He's not supposed to be able to but he also appoints the head of the FHFA and Pulte will do whatever Trump wants.
Posted on 1/8/26 at 5:15 pm to hawkeye007
quote:
Do we really need home prices higher in the current environment?
Considering the alternative that puts nearly every middle-class homeowner with a mortgage upside down on their house, yeah, I'd say this is the better option.
Home equity is the biggest asset most Americans will ever have. Trump has acknowledged this and why he is steering away from lowering home prices and towards lowering interest rates. It accomplishes lowering prices without destroying equity.
Posted on 1/8/26 at 5:16 pm to The Pirate King
quote:But it doesn't lower prices. It raises them.
It accomplishes lowering prices without destroying equity.
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