Trump draft order takes aim at mortgage costs ahead of midterms
Educational
A draft executive order circulating in the Trump administration would take aim at multiple layers of mortgage expense, including loan-level price adjustments, title insurance waivers, mortgage insurance premiums, and financing costs for manufactured housing, while also directing the USDA and VA to reduce their rates, according to reporting by Scotsman Guide. The move appears timed to resonate with voters ahead of the midterm elections, framing housing affordability as a political priority with direct levers in federal lending programs and regulatory pricing structures.
For borrowers watching these developments, the larger lesson is that mortgage pricing remains volatile and politically sensitive, which makes financing strategy as important as rate shopping. loantrust.ai operates directly in this space, offering programs that sidestep some of the conventional bottlenecks the draft order targets: DSCR loans that qualify on property cash flow rather than personal income, bank-statement programs for self-employed borrowers, and bridge, fix-and-flip, and new-construction financing for investors. Every file is packaged by one licensed MLO rather than routed through a call center, which means the structure of the loan can be adjusted to fit the borrower's actual position rather than forcing the borrower into a standard product grid.
What matters now is preparation, not prediction. Whether the draft order advances or stalls, the underlying pressures on mortgage costs are not temporary, and the borrowers who fare best are typically those who have already mapped their financing options to their income documentation, property type, and timeline. loantrust.ai functions as a dedicated partner in that process rather than a transactional call center, which is useful in a market where the rules themselves are still being rewritten.
Source: Scotsman Guide, “Trump draft order takes aim at mortgage costs ahead of midterms”. Read the original →
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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.