About this episode

Mike Mills explains the implications of recent Fed rate cuts on mortgage rates and homebuyers in 2026.

Episode Description: The Federal Reserve just cut rates for the third time this year—but then signaled they're basically done. So what does that actually mean for mortgage rates and homebuyers in 2026? In this episode, Mike breaks down the December 2025 Fed meeting and explains three real reasons why mortgage rates could continue to drop in 2026, even though the Fed is pumping the brakes on future cuts. You'll learn: Why the Fed doesn't actually control your mortgage rate (and what does) How Fannie Mae and Freddie Mac's $234 billion MBS buying spree is pushing rates down What happens when Jerome Powell's term ends in May 2026 The real math behind "waiting for lower rates" vs. buying now Current opportunities in the Texas housing market Special Note: This episode was created using AI voice cloning technology. The research, analysis, and insights are 100% Mike's—but the audio is AI-generated using his cloned voice. He explains why at the end and offers to show you how to do the same for your business. Key Timestamps: [00:00] - Intro: AI voice technology transparency [02:15] - The Fed doesn't control mortgage rates—here's what does [05:30] - Reason #1: Fannie/Freddie's massive MBS…

People in this episode

Host: Mike Mills

Topics covered

• Federal Reserve
• mortgage rates
• real estate
• Texas housing market
• financial analysis

Keywords

• Fed rate cut
• mortgage rates
• Fannie Mae
• Freddie Mac
• Texas housing market
• real estate investing
• financial insights

Mentioned in this episode

Organizations: Fannie Mae, Freddie Mac

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