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Sounds like most want the fed to reduce rates and bring back 10% inflation.......
Posted on 4/10/26 at 9:44 am
Posted on 4/10/26 at 9:44 am
I never understood this yapping about fed rates when they are already at 3.75%.
Do you think getting a reduction on your adjustable loan for the car and house by 50 bucks and then paying 200 bucks on everything else is a good idea, just because Joe at the water cooler said so?
Capital expenditures in the US are at an all time high so the business sector certainly does not need cheaper money.
So why all the gnashing of teeth?
Do you think getting a reduction on your adjustable loan for the car and house by 50 bucks and then paying 200 bucks on everything else is a good idea, just because Joe at the water cooler said so?
Capital expenditures in the US are at an all time high so the business sector certainly does not need cheaper money.
So why all the gnashing of teeth?
10
Posted on 4/10/26 at 9:51 am to trinidadtiger
3.50 max.
Do it, Jerome
Do it, Jerome
Posted on 4/10/26 at 9:53 am to trinidadtiger
The only person consistently calling for it is our superstar real estate agent SDV
Posted on 4/10/26 at 9:54 am to trinidadtiger
I would prefer that we abolish the Fed.
Posted on 4/10/26 at 9:54 am to trinidadtiger
It's hard to imagine interest rates below 5% for a 30 year fixed rate mortgage being good for home prices.
Mortgage rates have always been a game of whack-a-mole, you either have cheap money/low rates and higher home prices or you have higher rates and lower home prices.
Mortgage rates have always been a game of whack-a-mole, you either have cheap money/low rates and higher home prices or you have higher rates and lower home prices.
Posted on 4/10/26 at 9:55 am to WeeWee
This is the only answer.
Posted on 4/10/26 at 9:56 am to Powerman
quote:
The only person consistently calling for it is our superstar real estate agent SDV
I'm still amazed at how many people believe cheap money is the answer to housing affordability.
Posted on 4/10/26 at 9:58 am to trinidadtiger
quote:
Capital expenditures in the US are at an all time high so the business sector certainly does not need cheaper money.
Maybe just because data centers have the numbers inflated very high. I can tell you that the petro chemical industry hardly spent a dime over the past year on capital projects.
This post was edited on 4/10/26 at 9:59 am
Posted on 4/10/26 at 9:58 am to trinidadtiger
It's the fallacy of Keynesianism. Easy money plus govt spending equals prosperity. Unfortunately, now we're deep in the proverbial hole that John Maynard used to illustrate his philosophy 90 years ago.
This post was edited on 4/10/26 at 10:37 am
Posted on 4/10/26 at 9:59 am to trinidadtiger
Foreclosures have risen 13 months in a row now, and we are back above pre-pandemic levels. All of this while having the largest gap in sellers vs buyers in history
A RE correction is upon us (not a crash), whether we lower rates now or not, as there are many other factors now affecting the market
That being said, it's going to be a fine line from here on out with rates and RE to keep a correction from teetering to a crash, and anyone thinking Powell isn't being biased or political is dishonest. The FED should be ready to lower rates as needed, but under Powell, they have a history of reacting instead of being proactive.
A RE correction is upon us (not a crash), whether we lower rates now or not, as there are many other factors now affecting the market
That being said, it's going to be a fine line from here on out with rates and RE to keep a correction from teetering to a crash, and anyone thinking Powell isn't being biased or political is dishonest. The FED should be ready to lower rates as needed, but under Powell, they have a history of reacting instead of being proactive.
Posted on 4/10/26 at 10:00 am to Bass Tiger
quote:
It's hard to imagine interest rates below 5% for a 30 year fixed rate mortgage being good for home prices.
...you mean from a buyers perspective.
quote:
Mortgage rates have always been a game of whack-a-mole, you either have cheap money/low rates and higher home prices or you have higher rates and lower home prices.
Home prices and monthly notes are two different things. For a large number of buyers, the latter is the constraint unfortunately.
Posted on 4/10/26 at 10:01 am to trinidadtiger
Most people are financially illiterate
Posted on 4/10/26 at 10:02 am to stout
quote:
Foreclosures have risen 13 months in a row now
In the hottest country on the planet no less
Posted on 4/10/26 at 10:06 am to trinidadtiger
quote:
Do you think getting a reduction on your adjustable loan for the car and house by 50 bucks and then paying 200 bucks on everything else is a good idea, just because Joe at the water cooler said so?
It makes a big difference to me when I have a 3 million dollar line of credit for my farm
Posted on 4/10/26 at 10:08 am to Powerman
quote:
In the hottest country on the planet no less
Yea, it's Trump's fault that housing affordability is out of reach for many and not every POTUS before him kicked the can down road
Posted on 4/10/26 at 10:08 am to kywildcatfanone
I would tend to agree, but how da fuq the average person supposed to understand the pile of shite that is the FED
Posted on 4/10/26 at 10:08 am to Bass Tiger
quote:
Mortgage rates have always been a game of whack-a-mole, you either have cheap money/low rates and higher home prices or you have higher rates and lower home prices.
You can make a killing on it if you have liquid cash to buy RE when rates are high and prices low, then sell the property when rates drop and prices rise
Posted on 4/10/26 at 10:11 am to deltaland
The interest rate has more to do with the cost of operating capital that the cost of a home. Most businesses , as delta states , have a LOC or something similar that they use for operating capital as opposed to cash. When the cost of that capital gets to high, they stop spending. When they stop spending , the cash flow in the economy slows down.
Posted on 4/10/26 at 10:13 am to mooseofterror
You can have low rates with declining inflation while growing the economy aggressively.
If the capital is being well spent, creating productivity gains and productive jobs.
This happened in 1870's.
However, if you put a warm, heavy, socialist blanket on the economy and allow other countries to strategically steal and undermine you, yea strong capital spending leads to higher prices all around.
If the capital is being well spent, creating productivity gains and productive jobs.
This happened in 1870's.
However, if you put a warm, heavy, socialist blanket on the economy and allow other countries to strategically steal and undermine you, yea strong capital spending leads to higher prices all around.
Posted on 4/10/26 at 10:16 am to stout
The 800 pound gorilla in the corner no one talks about with real estate......................millions of illegals going home, they were all living somewhere, whether it be rent, section 8, or some minority mortgage loan.
Thats a lot of real estate being freed up.
Thats a lot of real estate being freed up.
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