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![MoHossain Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::22736189.png) Mo Hossain [@MoHossain](/creator/twitter/MoHossain) on x 6306 followers
Created: 2025-07-15 01:30:18 UTC

Could Japanification be an option?

Builders’ mortgage-rate buydowns, which temporarily masked weak home sales, have become cost-prohibitive and are being phased out. This shift is triggering declines in new-home activity and flat-to-falling prices under X% mortgage rates, even as inventories rise.

As homeowners eventually decide to relocate—particularly in less-mobile, economically stagnant, lower-income cities—housing may become a pronounced drag on the economy. Will the downturn be confined to pandemic “rush-belt” markets, or will it evolve into a broad-based slump? And might the slide deepen further under the looming effects of OBBB on health care, higher education and student-loan dynamics, nonprofit budgets, federal debt pressures, immigration, and AI-disrupted job markets?
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Builders’ Mortgage Aid Lifts Home Prices, Morgan Stanley Says - Bloomberg
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**Related Topics**
[rates](/topic/rates)
[mortgage rate](/topic/mortgage-rate)
[housing market](/topic/housing-market)

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