President Trump Announces Purchase of Mortgage Bonds Worth $200 Billion to Immediately Lower Mortgage Rates

President Donald Trump announced this Thursday the instruction to his representatives to acquire mortgage bonds worth 200 billion dollars, with the goal of immediately lowering mortgage rates and reducing monthly payments for American families.

This decision, highlighted in his publication on Truth Social, sharply criticizes the negligence of the Biden administration, which prioritized open borders, inflation, and foreign disasters over accessible housing.

Trump emphasized that his choice not to privatize Fannie Mae and Freddie Mac during his first term has multiplied their value, generating an «absolute fortune» with 200 billion in available cash.

«Biden ignored the real estate market and, instead, became immersed in high criminality, open borders, runaway inflation, the Afghanistan disaster, and a military left in chaos and confusion,» Trump wrote in his post, adding that this purchase is part of his steps to «recover the American Dream» destroyed by the Democrats.

According to Freddie Mac data, as of January 8, 2026, the average 30-year fixed-rate mortgage stands at 6.16 %, a slight increase from 6.15 % the previous week but significantly lower than the 6.93 % recorded a year ago.

This annual decline has driven a surge in demand, with purchase applications rising over 20 % compared to the same period last year, signaling growing momentum in the housing market despite rates remaining near the 6 % mark.

In terms of affordability, the National Association of Realtors’ Housing Affordability Index reached 106.2 in October 2025—the third consecutive month above 100—indicating that a median-income family has slightly more than the income needed to afford a median-priced home (assuming a 20% down payment).

However, challenges persist throughout 2025: approximately 57 % of U.S. households (76.4 million out of 134.3 million) lack the income to afford a $300,000 home, according to NAHB estimates.

President Trump’s announced $200 billion mortgage bond purchase aims to inject liquidity and potentially lower rates by 10 to 15 basis points, which could ease monthly payments and further revive homeownership opportunities for working families.

The measure has driven a rally in mortgage stocks, with notable rises after the announcement, according to financial reports that highlight the positive impact on sector liquidity.

This intervention is an antidote against leftist policies that inflated housing costs, making it impossible for many Americans to buy a home.

This intelligent presidential action promises to inject liquidity and stabilize the market, reaffirming his commitment to making America great again and prioritizing working families over globalist agendas.

2025: Falling mortgage rates and stabilized prices boost home buying in the United States.

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