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![texasrunnerDFW Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1340333600668069888.png) Amy Nixon [@texasrunnerDFW](/creator/twitter/texasrunnerDFW) on x 81.9K followers
Created: 2025-07-16 15:40:08 UTC

The data shows lower mortgage rates and easier access to credit help FIRST TIME HOMEBUYERS (often young families) buy homes

Outside of the GFC aftermath, the US homeownership rate peaked during the periods rates were being lowered to new lows (2004 and 2020)

But a Fed Chair alone can’t manipulate this. The Fed is a voting committee, with the chair representing just one vote 

And the bond market operates independently of them—we saw this very clearly last September 

If we can’t get mortgage rates lower, then we need to be creative with other policy that can help first time homebuyers 

Our nation’s future depends on it

![](https://pbs.twimg.com/media/Gv_V56CWUAAMsDE.jpg)

XXXXXX engagements

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**Related Topics**
[fed](/topic/fed)
[homes](/topic/homes)
[young families](/topic/young-families)
[rates](/topic/rates)
[mortgage rate](/topic/mortgage-rate)
[housing market](/topic/housing-market)
[federal reserve](/topic/federal-reserve)

[Post Link](https://x.com/texasrunnerDFW/status/1945508758630683055)