From the Desk of Anthony Pompliano The Fed Must Save The Housing Market!
Nov 27, 2025
Lance Lambert, co-founder and editor-in-chief of ResiClub, dives into the current housing market landscape. Despite signs of easing, he reveals that prices remain stubbornly high for most buyers. They discuss the impact of mortgage rate changes, tech advancements in iBuying, and the regional disparities affecting market dynamics. Lance also shares insights from ResiClub’s analytics terminal, forecasting modest improvements in affordability by 2025, with incomes rising while prices stabilize.
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Mortgage Rates Have Fallen From Their Peak
- Mortgage rates fell about 75 basis points in 2025, easing pressure from 7%+ peaks in 2023.
- The 30-year fixed rate is around 6.25%, helped by renewed demand for mortgage-backed securities.
Focus On Long-Term Rates, Not Just Fed Cuts
- Expect Fed decisions to mainly affect short-term rates and market sentiment.
- Focus on long-term rate trends and mortgage spreads when assessing home affordability and timing.
Long Rates Follow Market Expectations
- Short-term Fed policy influences short rates, but long-term mortgage yields move on market expectations.
- Long-term rates can lead the Fed and already priced in much of the tightening and later easing.