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Trump Issues Order Restricting Large Single-Family Investors
President Trump has signed an executive order aimed at limiting large institutional investors from using federal programs to buy up single-family homes, with the goal of making more homes available to individual buyers and first-time homeowners. The order directs government agencies to prioritize home sales to families rather than Wall Street investors and to review rules that have supported these investor purchases.
For most homebuyers, this doesn’t immediately change mortgage rules or rates, and large investors still own a relatively small share of homes nationwide. But the policy reflects ongoing efforts to ease competition for starter homes. Something that could be helpful in tight markets where first-time home buyers have struggled to compete with cash-heavy buyers. Experts note that broader solutions like increasing housing supply are still key to improving affordability. If you’re thinking about buying your first home or want to understand what programs you may qualify for, our team is always happy to walk you through your options and next steps.1
What Recent Federal Reserve Headlines Could Mean for You
You may have seen recent headlines about the Federal Reserve and its Chair, Jerome Powell. While it can feel far removed from everyday life, these developments could affect consumers, especially when it comes to interest rates, inflation, and borrowing costs.
The Federal Reserve plays a smaller role in shaping mortgage rates, but a significant role in credit card interest and other lending costs. Confidence in the Fed’s independence helps keep inflation and long-term rates stable. If that confidence weakens, it could eventually lead to higher mortgage rates and more market volatility, even if short-term rates trend lower.
Headlines don’t move rates overnight, but economic stability still matters. That’s why timing and strategy are important. If you’re thinking about buying or refinancing, we’re happy to help you understand what’s happening and how it applies to your situation! 2
Did You Know?
Did you know that waiting to save 20% down can sometimes cost more than buying sooner? Home prices and rent can rise while you wait, even if you put less down. 3
Is Buying a Rental Property a Good Investment?
Investing in real estate has been a long-standing way to build wealth, but whether it makes sense today depends on your goals and the numbers. Rental demand remains strong in many areas, but higher interest rates have made it harder to generate immediate monthly cash flow without a solid down payment or the right market.
For many buyers, the appeal of rental property is long-term. Building equity, benefiting from potential appreciation, and using rental income to help offset housing costs over time can make rentals a powerful wealth-building tool. Success comes from thoughtful planning, realistic budgeting for expenses and vacancies, and setting expectations that prioritize stability and growth over quick returns.
Rental property can still be a smart investment, but it’s not one-size-fits-all. Whether you’re considering your first rental or exploring future options, choosing the right financing strategy is key, and we’re here to walk you through options.3
Quick Guide for First-Time Homebuyers
Buying your first home is an exciting milestone, and preparation makes all the difference. The process typically starts with assessing your finances. Checking your credit, saving for a down payment, setting a realistic budget, and then getting pre-approved for a mortgage so you know what you can afford before you start house hunting. A pre-approval also shows sellers you’re a serious buyer, which can strengthen your offer.
Once you’re ready, focus on your priorities like location, size, and future needs, communicate clearly with your homebuying team, and stick to your financial plan. There are many loan options designed for first-time buyers, including low-down-payment programs and government-backed mortgages, and understanding these can help you find the right fit for your situation.
Every homebuying journey is unique. Having a clear plan, knowing your budget, and working closely with us as your lender can make the process smoother and more confident. Reach out today, and we can get started. 3
You Don’t Need 20% Down to Buy a Home
One of the biggest myths in homebuying is that you need 20% down. There are several loan programs available that allow as little as 0%-3.5% down for buyers who qualify, and in some cases, down payment funds can even come from a gift from a family member or approved assistance programs.
Options like VA and USDA loans offer as little as 0% down for eligible buyers, while conventional, HomeReady, and FHA loans often allow low down payments with flexible credit and income guidelines. Each program has different benefits, requirements, and trade-offs, which is why choosing the right loan depends on your goals, finances, and long-term plans.
It is important to remember that even if you lack a large down payment, that doesn’t have to be a dealbreaker. With the right guidance and loan strategy, homeownership may be closer than you think. If you have any questions or want to start mapping out a path to homeownership, reach out to our team today! 3
Sources: 1 nationalmortgagenews.com, 2 cnbc.com, 3 rwmloans.com
