2026 is starting with a bang.

Trump just announced a series of major housing, mortgage, and economic proposals, and some of them could have real implications for interest rates, affordability, and the housing market.

In this episode, I break down what was announced, what actually matters, and which ideas could realistically move mortgage rates versus what may remain political talk.

In this episode, we cover
A proposal to buy 200 billion dollars in mortgage backed securities and how that could push rates lower
A potential 10 percent cap on credit card interest rates and what it says about consumer stress
Efforts to limit large institutional investors from buying single family homes
New ADU financing ideas allowing up to four units and how this could impact housing supply
A new Federal Reserve Chair and why leadership changes matter for rate policy
Discussion around 50 year mortgages and transferable loans and whether they are realistic

Some of these proposals could be game changing. Others may face significant hurdles. Understanding the difference is critical for homebuyers, homeowners, investors, and industry professionals navigating the 2026 housing market.

If you want clarity on how these announcements could affect mortgage rates, housing affordability, and real estate decisions, this episode breaks it down in plain English.