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