{"id":7,"date":"2026-09-03T09:00:00","date_gmt":"2026-09-03T09:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/buyandsellswfloridahomes-com\/2026\/09\/03\/cheaper-mortgages-wont-fix-us-housing\/"},"modified":"2026-09-03T09:00:00","modified_gmt":"2026-09-03T09:00:00","slug":"cheaper-mortgages-wont-fix-us-housing","status":"publish","type":"post","link":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/2026\/09\/03\/cheaper-mortgages-wont-fix-us-housing\/","title":{"rendered":"Cheaper Mortgages Won\u2019t Fix US Housing"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/james-armstrong\/cheaper-mortgages-housing-remotion-videos-4c84\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Federal housing policy long favored cheaper financing, but the new law signaled a shift toward easing construction, streamlining reviews, and supporting more homebuilding.<br \/>\nThe core issue was supply: when too few homes exist where demand is strongest, limiting certain buyers can change ownership, but not create homes.<br \/>\nThe law&#039;s most consequential steps encouraged manufactured housing, rewarded communities that build more homes, and reduced barriers that can make new construction slow or costly.<br \/>\nThe analysis found cheaper mortgage credit tends to increase borrowing and lift house prices more than homeownership, especially where zoning and permitting constrain building.<br \/>\nCongress began bridging competing priorities, but the central takeaway remained clear: expanding housing supply, not subsidizing every bidder, offers the stronger affordability path.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Federal housing policy long favored cheaper financing, but the new law signaled a shift toward easing construction, streamlining reviews, and supporting more homebuilding. The core issue was supply: when too few homes exist where demand is strongest, limiting certain buyers can change ownership, but not create homes. The law&#039;s most consequential steps encouraged manufactured housing, [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":35,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/wp-json\/wp\/v2\/posts\/7","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/wp-json\/wp\/v2\/comments?post=7"}],"version-history":[{"count":0,"href":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/wp-json\/wp\/v2\/posts\/7\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/wp-json\/wp\/v2\/media\/35"}],"wp:attachment":[{"href":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/wp-json\/wp\/v2\/media?parent=7"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/wp-json\/wp\/v2\/categories?post=7"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.buyandsellswfloridahomes.com\/blog\/wp-json\/wp\/v2\/tags?post=7"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}