What if Fannie Mae and Freddie Mac went private? Could mortgage rates rise—or could competition actually help buyers? This week, we break down the high-stakes debate and what it means for your next home loan.

In this episode of Real Estate Pros of Houston, we unpack the complex issue of privatizing Fannie Mae and Freddie Mac. Since entering conservatorship in 2008, these government-sponsored enterprises (GSEs) have played a critical role in stabilizing the mortgage market and keeping 30-year fixed-rate mortgages accessible. But what would happen if they were returned to private hands? Experts warn it could mean higher rates and stricter lending—but others argue it could drive competition and innovation. We’ll explore the history, the congressional debates, FHFA’s preparations, and practical implications for homebuyers and mortgage brokers in today’s market. If you want to understand how these potential changes could impact your home financing options, this episode is a must-listen.

Next Step Home Loans, LLC

12841 Jones Rd.#245

Houston, TX 77070

Ofc: 832-504-9014

TeamMark@NextStepHomeLoans.com

www.NextStepHomeLoans.com

NMLS# 1746763

Welcome back to Real Estate Pros of Houston!

Today, we’re tackling one of the hottest topics in real estate right now—Mortgage Rates, Housing Affordability, and the Fed’s Influence. Everyone talks about how interest rates move the housing market, but the truth is, it’s not always a straight line from the Fed’s decision to your mortgage payment.

In this episode, we dig into the complex relationship between the Federal Reserve, mortgage rates, and home affordability. Conventional wisdom says lower rates mean cheaper homes—but that’s only part of the story. We’ll explore how inflation, supply and demand, economic growth, and the “lock-in effect” of homeowners holding historically low mortgage rates all factor into today’s housing challenges.

You’ll learn:

• Why lower rates don’t always equal more affordability
  How supply shortages and buyer demand can push prices up even as rates drop

• The ripple effect of Fed policy on regional housing markets

• What buyers, sellers, and real estate professionals should be watching right now
  

Whether you’re a buyer hoping for relief, a seller wondering about timing, or a real estate pro guiding clients, this episode will give you a clear, grounded look at how the Fed really shapes the housing market.

Next Step Home Loans, LLC

12841 Jones Rd.#245

Houston, TX 77070

Ofc: 832-504-9014

TeamMark@NextStepHomeLoans.com

www.NextStepHomeLoans.com

NMLS# 1746763

A very special guest today. My nephew and future Texas A&M Linebacker, Hudson Zachary.

As the 2025 season approaches, we talk Heisman hopefuls, top recruiting classes, early season picks, and best jerseys in the country.

Listen in. Great knowledge and insight into the upcoming year. Thank you Hudson for being my guest and sharing your college football insight! See you at Kyle Field.