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Travis Woods

2026 Mortgage Rates May Drop Because of This Trump Proposal — Will It Help You Buy a House?

Donald Trump Fannie Mae Freddie Mac
Aaron Schwartz/UPI / Shutterstock

American mortgage rates continue to lessen in the early weeks of 2026, offering a potentially hopeful year of potential home buying.

After rates peaked above 7% in 2025, the average 30-year fixed mortgage rate has currently settled just above 6% — a near-historic low. In addition to mortgage rates trending downward, President Donald Trump has initiated a bold proposal that may lower mortgage rates even further.

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