Trump Picks New Fed Chair! So Mortgage Rates Dropped, Right?!
Markets just got a reality check: Trump’s Fed Chair pick didn’t send rates lower—it pushed them higher, reminding us that expectations matter more than headlines. At the same time, gold and silver are flashing historic warning signs that investors are nervous about inflation, debt, and the long-term value of the dollar.
Retirement Accounts 'Bout to Unlock the Housing Market!
The housing market is entering one of its most interesting transition periods in years. Between potential policy changes, shifting buyer behavior, and the slow unraveling of ultra-low mortgage rates, several long-standing barriers are starting to crack at the same time. This week’s newsletter breaks down what’s changing, why it matters, and how it could reshape who buys, who sells, and where mortgage rates ultimately land.
A Shift in Mortgage Rates We Haven't Seen in Years!
Mortgage rates may look unchanged at first glance, but the direction has quietly flipped—and that shift could change everything heading into 2026. Add in early global tremors from Venezuela and fresh data debunking the “housing bubble” narrative, and the market is suddenly more interesting than the headlines suggest.
The American Dream NOW Costs Over $5 Million in 2025 🤯
Inflation is quietly crushing “safe” money, the American Dream now costs over $5 million, and most people are still parked in cash and bonds falling behind. Stocks and real estate win in this system—and why Nick and I are still buying while the headlines scream fear. If you want to understand how the game actually works, you’ll want to read this.
How Real Estate Could Change if State Income Taxes Were Eliminated in Ohio
With the final Fed meeting of 2025 just days away, another rate cut is likely—though the real story is what they signal for 2026. And if that wasn’t enough, Trump stirred the pot again by floating a plan to eliminate federal income taxes altogether, sparking fresh debates that could impact housing, taxes, and the broader economy.
Foreclosures Are Rising ⬆️
Foreclosures are rising again, with Ohio now among the hardest-hit states. The Fed is being forced to make a major rate decision without new jobs or inflation data. And headline mortgage changes like 50-year and portable loans may be on pause amid a federal investigation.
Trump Floats the Idea of a 50-year Mortgage
Home affordability has officially hit a breaking point — the median age of first-time homebuyers just jumped to 40, the highest in history. Washington is finally paying attention, with major proposals like Fannie Mae removing its 620 minimum credit score and even talk of a 50-year mortgage. But while these ideas grab headlines, the real issue remains clear: homes are simply too expensive, and middle-class Americans are feeling the squeeze.
Mortgage Rates Dropping — A Blessing & a Curse!
The Fed is set to cut rates again, but because the market already expects it, mortgage rates may not drop much—and buyers could keep waiting. At the same time, crypto is moving into mainstream finance, and JPMorgan’s plan to accept Bitcoin and Ethereum as collateral could reshape real estate. Now, a Trump-backed proposal to push rates even lower through Fannie and Freddie brings short-term relief, but with big long-term risks for the housing market.
Tariff Wars Back - Rates Set to Plunge?! 🥊
Stocks tanked after Trump announced a 100% tariff on Chinese imports, sparking one of the biggest single-day rate improvements we’ve seen in weeks. 🏠📉 While mortgage rates dipped short-term, the long-term risk is inflation — which could reverse those gains fast. Meanwhile, the housing market is moving at its slowest pace since 2009, but that’s where tough agents sharpen their edge and seize new opportunities.
What a Government Shutdown Could Mean for Rates & Closings ⚠️
A government shutdown is set to hit Tuesday, September 30th at 11:59 PM, and it could rattle housing in ways you don’t expect. Yet there’s a twist: history shows shutdowns can push mortgage rates lower as investors flee to safe assets. This week’s big jobs report on Friday is the next biggest indicator for where rates go next.