2026-01-09 01:31:20

The Federal Reserve's policy movements have always been a focal point of market attention, and recent developments are worth noting. According to reports, the current U.S. President Trump plans to push for the purchase of $200 billion in mortgage-backed securities (MBS), jointly executed by the two major agencies, Fannie Mae and Freddie Mac. The purpose of this move is clear—by increasing the supply of MBS to lower mortgage rates, ultimately helping homebuyers reduce their monthly payments.

Interestingly, Bill Pulte, Director of the Housing Finance Agency, revealed that this plan does not require Congressional approval and is directly based on existing agreements between the two agencies and the U.S. Department of the Treasury. Under the current agreements, Fannie Mae and Freddie Mac can each add up to approximately $100 billion in MBS quotas.

Looking at the current market situation, the average interest rate for 30-year fixed mortgages is around 6.16%. The Federal Reserve has also cut interest rates by a total of 75 basis points throughout last year. This series of policy measures indicates that both the mortgage market and financial liquidity are undergoing adjustments. For those paying close attention to the global macroeconomy and asset allocation, these signals are worth in-depth observation.

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GasFeeCrier

· 11h ago

Here comes more liquidity injection, this time directly involving $200 billion in MBS. They really don’t take inflation seriously. No congressional approval needed? This move is a bit outrageous, feels like a trap for the market. Mortgage rates at 6.16% are still high; they need to push even lower. This round of liquidity infusion is ongoing. The Fed’s 75 basis point rate cut is pretty useless; they still rely on these direct bond-buying tricks. This is the legendary "go big or go home" — playing big indeed. Liquidity is overflowing, and now we should worry about asset bubbles... Truly absurd. MBS has surged dramatically; will home prices continue to soar? Are homebuyers being saved or being squeezed? It feels like they’re milking the rich, while lower-income buyers can’t afford homes and are being eaten up by inflation. Going straight ahead without following Congress’s procedures—this new policy is really daring. Another round of money printing begins; the multi-chain ecosystem should celebrate. $200 billion is no small amount; it depends on how many more bullets are left. Fannie Mae and Freddie Mac teaming up—that’s to keep the US housing market alive. Now the crypto market has a story; liquidity overflow is inevitable.

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GateUser-beba108d

· 01-09 04:10

$200 billion poured into mortgages, is this about to completely crush housing prices? Trump is trying new tricks again, going straight to action without Congress? Wow. Being able to operate without approval—how lenient must the legal framework be? Mortgage rates over six percent, continuously cutting interest rates—can this really go on? In the end, the biggest beneficiaries of this move are probably those big investors. Liquidity is piling up; it feels like a price to pay later. Will the surge in MBS cause some unexpected problems again? It seems like the Federal Reserve and Trump are playing a big chess game; we're just watching the show. This move feels a bit desperate—does the economy really look that bad? With such heavy mortgage pressure, it shows the market truly can't bear it anymore.

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ProposalManiac

· 01-09 02:01

Circumvent Congress and execute directly? This mechanism is designed... a bit lazy, huh --- 200 billion MBS, two institutions, zero approval... By the way, the framework of this agreement itself should be reviewed --- Fannie Mae and Freddie Mac each have a limit of 100 billion, which sounds like reserved room for flexibility—typical historical repetition --- Cutting interest rates by 75bp still can't push down the 6.16% mortgage rate? The problem might not be with the rate itself --- No need for Congress approval—this boundary of power is a bit blurry; even DAOs wouldn't dare do this

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pvt_key_collector

· 01-09 01:57

200 billion MBS are coming down, how low can this wave of mortgages go? Let's wait and see. This guy really wants to boost housing prices, but a 6.16% interest rate still feels a bit painful. No need for Congressional approval? Just operate directly with an agreement framework, the room for operation is really large. The Federal Reserve cut interest rates by 75 basis points plus MBS injections, liquidity must be overflowing now. Wait, will such large-scale liquidity release push asset prices higher again, and in the end, the retail investors will bear the brunt? By the way, could this be another form of liquidity infusion? Can the problem really be solved?

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liquidation_watcher

· 01-09 01:57

$200 billion poured into mortgages? Is this just a way to keep the housing market alive? Fannie Mae and Freddie Mac are working overtime again, printing money. A 6.16% interest rate is still outrageous. Can this move push it down by 5 points? How will the Fed and Treasury's combined approach affect retail investors? Skipping Congress and going straight to action—this tactic is quite interesting. A rate cut doesn't really bode well for the crypto market... inflation still needs to continue. Lower monthly payments, but can housing prices get cheaper? I don't quite understand this logic. More liquidity injections again; it feels like the dollar is about to be diluted. Result of a 75 basis point rate cut: mortgage rates still at 6.16%. This data doesn't match up. Adding $100 billion in MBS twice—liquidity is really about to splash. People care about whether they can buy a house, not just a few points in interest rates. This looks like using taxpayers' money to subsidize housing companies—really outrageous. The rate hike cycle is ending; is it time to prepare for a bottom-fishing opportunity? Mortgage issues will eventually transmit to the crypto market. Without Congressional approval, this seems to have more room to play out. As interest rates decline and the dollar depreciates, it's time to consider allocating some on-chain assets.

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WalletAnxietyPatient

· 01-09 01:46

Here comes another round of liquidity injection? This time it's the mortgage sector, with 200 billion USD poured in. How much can interest rates drop? No need for congressional approval? Just implement the framework directly. That’s a bold move. The 6.16% mortgage rate, even a 75 basis point cut couldn't bring it down. Looks like we have to rely on the MBS big package. Isn't this just a form of money printing? Excess liquidity is here to stay. The US housing market is saved, but inflation is about to dance again... This cycle never ends. Instead of waiting for mortgage rate cuts, why not accumulate some Bitcoin to preserve value? Haha. Fannie Mae and Freddie Mac are working together—these two agencies have truly become the Fed's workers. It seems Trump is really determined to save the housing market. Since voters can't afford homes anyway, better to stabilize first. Interest rates over 6% are still considered high? Compared to the mortgage costs two years ago, I’m already numb. When it comes to asset allocation, the safest option now is on-chain assets. Traditional finance has too many tricks.

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GasFeeVictim

· 01-09 01:38

Here comes the pump again, the Federal Reserve's old tricks 200 billion MBS? Sounds good, but in the end it's just exploiting ordinary people's money What’s the use of cutting interest rates by 75bp? Housing prices are soaring like a rocket, even with lower rates I still can't afford to buy Trump's move is just a political show, will the crypto circle follow suit and rally? Real estate is always cut like this, should we still expect crypto? Wait, is this creating space for commodities? I just want to know if this money really ended up in the hands of homebuyers or was eaten by agents Feeling like the financial system is getting more and more absurd, retail investors like us are caught in the middle Will mortgage rates really drop? I've heard this phrase too many times Using 200 billion to prescribe medicine, is the US trying to cover something up?

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