Can the new Congress help lower mortgage rates?
Educational
HousingWire recently examined whether the incoming Congress can meaningfully move mortgage rates, identifying four economic levers that could shift the cost of borrowing: oil prices, the AI boom, tariffs, and job growth. The piece frames these as policy pressure points where legislative action might ease inflationary headwinds or, conversely, add to them. For anyone tracking the rate environment, the takeaway is that Washington's choices on energy, trade, technology investment, and labor markets will ripple directly into the 30-year fixed and every product downstream.
For borrowers watching those ripples, the uncertainty itself becomes the operative condition. Rate volatility does not stall investment timelines; it rewards financing structures built to absorb it. loantrust.ai works in that space, originating both consumer and investor mortgages including DSCR loans that qualify on property cash flow rather than personal income, bank-statement programs for self-employed borrowers, and bridge, fix-and-flip, new-construction, and multifamily financing for investors. Each file is packaged by one licensed MLO, not routed through a call center, which means the strategy conversation happens with the same person who shapes the submission.
That structure matters when macro signals are this noisy. An investor sizing up a rental acquisition or a self-employed borrower refinancing needs a financing partner who can match the program to the moment, not a scripted intake process. loantrust.ai operates directly in that space, with the NMLS-licensed infrastructure to move between conventional, FHA, VA, and investor products as conditions shift. The current rate debate in Congress only underscores why that flexibility, and that direct accountability, is worth having on the line.
Source: HousingWire, “Can the new Congress help lower mortgage rates?”. Read the original →
About loantrust.ai — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: mortgage brokerage in Atlanta
Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.