Can Fannie Mae and Freddie Mac Really Push Mortgage Rates Below 6%

Mortgage Research Network Podcast · Nov 5, 2025 · 4m

Two major banking groups say lowering mortgage rates could be as easy as flipping a policy switch. Tim Lucas and Craig Berry unpack a bold proposal that could nudge rates under 6%, how it works, and why it’s sparking debate in Washington.In this episode you’ll learn:The proposal: Fannie Mae and Freddie Mac would buy $300 billion in mortgage-backed securities when rates exceed 1.7% above 10-year Treasuries.The potential payoff: Could drop the average 30-year fixed rate from 6.19% → 5.89%, saving homeowners hundreds per month.The catch: More risk on Fannie and Freddie’s books—the same issue…