Housing Affordability and Mortgage Policy

At Davos, Trump outlined a housing-affordability package that would bar large institutional investors from future purchases of existing single‑family homes (while excluding new construction and not forcing current owners to sell) and direct the federal government to buy $200 billion in mortgage bonds to try to lower borrowing costs. Experts caution the investor ban would touch a small share of stock (large owners hold roughly 1% of single‑family homes), that core supply problems (zoning, land costs and underbuilding) are largely unaddressed, and that cheaper mortgages could boost demand and prices — with estimates suggesting bond buying would only modestly lower rates and many implementation details remain unclear.