{"id":9920,"date":"2026-08-26T13:00:00","date_gmt":"2026-08-26T20:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/staging\/?p=9920"},"modified":"2026-08-26T13:00:00","modified_gmt":"2026-08-26T20:00:00","slug":"cheaper-mortgages-wont-fix-us-housing","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/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\/lisa-miller-2\/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":1,"featured_media":9921,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2A0","jetpack-related-posts":[{"id":9857,"url":"https:\/\/lisamillerpllc.com\/staging\/us-housing-faces-slower-growth-ahead\/","url_meta":{"origin":9920,"position":0},"title":"US Housing Faces Slower Growth Ahead","author":"admin","date":"August 13, 2026","format":false,"excerpt":"Rising construction costs could slow US housing market growth in the months ahead, making planning and pricing discipline more important for buyers and sellers. Slower household formation, economic uncertainty, weak labor markets, and reduced immigration are dampening demand, so market timing may require closer local guidance. Construction activity has softened,\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/housing-market-faces-new-challenges-harvard-report-finds_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9522,"url":"https:\/\/lisamillerpllc.com\/staging\/housing-bill-tightens-investor-homebuying-rules\/","url_meta":{"origin":9920,"position":1},"title":"Housing Bill Tightens Investor Homebuying Rules","author":"admin","date":"May 7, 2026","format":false,"excerpt":"On March 10, 2026, the housing bill passed the Senate and returned to the House, highlighting bipartisan national focus on homeownership and tougher investor limits. A newly added section would bar large institutional investors owning >350 single-family homes from buying more, making build-to-rent and related strategies harder. The bill defined\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/road-housing-investors_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9365,"url":"https:\/\/lisamillerpllc.com\/staging\/places-building-the-most-new-homes-in-america\/","url_meta":{"origin":9920,"position":2},"title":"Places Building the Most New Homes in America","author":"admin","date":"March 21, 2026","format":false,"excerpt":"The U.S. faces a housing shortage of 2.5 to 5.5 million units, driving affordability issues despite higher interest rates. New home construction varies across metros, with some areas like Raleigh-Cary, NC, and Austin-Round Rock, TX, leading in new housing units authorized per 1,000 existing homes. Most metros saw declines in\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-7.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-7.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-7.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-7.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-7.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9348,"url":"https:\/\/lisamillerpllc.com\/staging\/5-key-housing-market-trends-to-watch-in-2026\/","url_meta":{"origin":9920,"position":3},"title":"5 Key Housing Market Trends to Watch in 2026","author":"admin","date":"March 16, 2026","format":false,"excerpt":"Home Values Will Rise Modestly \u2013 National home values are expected to increase ~1.2%, signaling a stable market for buyers and sellers. Existing Home Sales Will Climb \u2013 Sales of existing homes are projected to grow ~4.3%, improving inventory and choice for buyers. Mortgage Rates Remain Above 6% \u2013 Rates\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/03\/5-key-predictions_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9190,"url":"https:\/\/lisamillerpllc.com\/staging\/buyers-or-sellers-who-really-wins-in-the-2026-housing-market\/","url_meta":{"origin":9920,"position":4},"title":"Buyers or Sellers: Who Really Wins in the 2026 Housing Market?","author":"admin","date":"February 2, 2026","format":false,"excerpt":"The 2026 housing market appears calmer than past years but isn\u2019t clearly favouring buyers or sellers. Homes are spending longer on the market, signalling slower sales compared to the pandemic surge. Inventory has improved but still trails pre-pandemic levels in many regions. Markets with heavy new construction give buyers more\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/02\/buyers-sellers-2026_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9641,"url":"https:\/\/lisamillerpllc.com\/staging\/phoenix-housing-market-offers-great-opportunities-for-buyers\/","url_meta":{"origin":9920,"position":5},"title":"Phoenix Housing Market Offers Great Opportunities for Buyers","author":"admin","date":"May 29, 2026","format":false,"excerpt":"Phoenix's housing market has cooled due to increased new construction after a post-pandemic shortage. Ranked 42nd out of 52 large U.S. cities, only 15.4% of homes sell above asking price, with a median of 59.2 days on market. Median home price is $450,000, rising 1.6% annually. Other Arizona cities also\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-11.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-11.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-11.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-11.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-11.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/cheaper-mortgages-housing-remotion-videos-4c84_share.jpg?fit=496%2C279&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9920","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9920"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9920\/revisions"}],"predecessor-version":[{"id":9922,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9920\/revisions\/9922"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9921"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9920"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9920"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}