Skip to main content

Thoughts on recent new US government policies on real estate

News come out new government policy on real estate. What's your thoughts on this ? Is this good or bad? They want to keep big companies from owning single family homes.

The current real estate policy focuses heavily on housing affordability, aiming to make homeownership more accessible by banning large institutional investors from buying single-family homes, reducing mortgage costs through government-backed mortgage bond purchases, potentially expanding down-payment assistance (like using 401(k)s), and reducing regulations for builders

These initiatives, driven partly by midterm election concerns, seek to lower prices by curbing investor demand and increasing supply, though experts question the impact of investor bans and the effectiveness of some proposals.

Key Policy Initiatives (as of early 2026): Investor Ban: Directives to stop large corporations from buying single-family homes, arguing "people live in homes, not corporations".

Mortgage Rate Reduction: Directing government-sponsored entities (GSEs) like Fannie Mae/Freddie Mac to purchase $200B in mortgage-backed securities to lower rates. Down Payment Assistance: Exploring allowing penalty-free use of 401(k)s and 529 plans for down payments.

Supply-Side Focus: Reducing regulations and potentially incentivizing states to ease building restrictions to increase housing supply. FHA Premium Cuts: Seeking to lower insurance premiums for Federal Housing Administration loans.

submitted by /u/Mouse1701
[link] [comments]

source https://www.reddit.com/r/RealEstate/comments/1q944rg/thoughts_on_recent_new_us_government_policies_on/
Labels:

Comments

Post a Comment

Popular posts from this blog

Aren't comps/CMAs useless with buyer credits at close happening now?

I'm looking into buying a new construction townhouse in my HCOL US city. I'm seeing builders offering interest rate buydowns worth $20k-$60k on $800k homes (rather than just lowering prices) in order to keep their comps high for their other units, now that buyer demand has been declining. I asked my agent about these, and he said these buydowns aren't even the full story: buyers can write all kinds of other credits into an offer, like their closing costs, prepaid sewer fees, etc. Apparently cash buyers can just write in a "buyer credit at close" for any amount in their offer. So a new townhouse that appeared to sell for $800k in the MLS might have actually been a cash offer with a $100k+ buyer credit at close, meaning the buyer only spent $700k or less in total, but to the rest of the world they can only see the $800k! So that made me realize I can't trust comps/CMAs for other new construction townhouses. The sales prices could be way lower than they appear...
1 comment
Read more

How to Avoid Property Scams in Delhi?

Here’s What You Should Know! Commercial Real Estate (Non-Residential) Buying a property in Delhi can be tricky, especially with all the stories about scams and shady deals. If you're in the market, here are some tips to keep yourself safe:Double-check the documents: Always verify ownership and approvals. Don’t just take someone’s word for it—look at the actual papers. Do your homework on prices: Compare similar properties to avoid overpaying. A little research can save you from a bad deal. Work with trustworthy people: Whether it's a seller or an agent, go for someone who's transparent about pricing and the process. If they’re dodging questions, that’s a red flag. Ask for reviews or references: If someone you’re dealing with has a good track record, they won’t hesitate to share testimonials or connect you with previous clients. I’ve noticed that some property services have started focusing on things like verified listings and clear communication, which makes the whole proc...
Post a Comment
Read more