Pete Mills, a senior vice president at MBA, believes housing affordability initiatives are more likely to come from executive orders this year.

The president wants to address housing affordability but also wants home prices to remain high because it has made a lot of people wealthy.

House Republicans blamed regulations and immigration, while Democrats believe President Trump’s effort to ban institutional investors from buying single-family homes didn’t go far enough.

President Trump has opposed a plan from his economic advisor to waive penalties on 401(k) withdrawals used for a downpayment.

President Trump’s directive to lower interest rates helped spur a tightening in mortgage spreads, but economists are skeptical of the long-term impact of the move involving GSE purchases of MBS.

The executive order seeks to limit institutional investors from purchasing single-family homes, but some market participants believe it would do little to boost housing affordability nationally.

Housing experts expect the market to undergo a course correction after years of rapid home price increases.

Homebuilders used price reductions and buydowns to drive sales and pull buyers off the sidelines in 2025.

Home insurance premiums are rising at a slower pace, but affordability challenges still remain an issue for homebuyers.

Housing affordability has improved due to slowing home price appreciation and growing inventory but it is still lagging historical levels.