Trump vs. Housing: What Just Happened (and What Comes Next)

It’s only mid-2025, and already housing has been flipped on its head.

If you’re a buyer, seller, builder, landlord, investor—or just someone watching mortgage rates like a hawk—this episode is for you. Because President Trump’s latest wave of housing-related moves? They’re historic. And a little dizzying.

In this episode, I walk you through the chaos and consequences of:

🏛️ The CFPB Meltdown

• Trump fired Director Chopra and installed a succession of replacements

• The agency’s enforcement power has been slashed—big win for some lenders, big concern for consumers

• Lawsuits, staff terminations, reversals of key mortgage rules—and yes, Elon Musk’s team reportedly gained data access at one point 🤯

🏠 HUD and FHA Changes

• HUD slashed staff, rolled back fair housing protections, and launched a crackdown on undocumented households in federal housing

• FHA loan access now requires citizenship or permanent residency—huge impact on immigrant buyers

• Plans to develop federal land for housing are back… but Section 8 cuts are on the table too

📉 GSE Shakeups at Fannie and Freddie

• Bill Pulte is now running the FHFA, and he’s making huge changes: board swaps, program cuts, and a public/private exit strategy

• Fannie/Freddie are being told to prep for crypto

• Pulte even canceled millions in what he called “DEI nonsense”

🛠️ Tariffs and Rates

• Massive tariffs on China, steel, aluminum—direct hit to homebuilders

• Mortgage rates dropped temporarily because of market panic, but homebuilder stocks tanked

• Trump’s “Liberation Day” tariffs are still under court fire, causing uncertainty at every level

📜 Executive Orders and Federal Freeze

• Emergency price controls on housing

• Federal hiring freeze + mass layoffs

• Red tape removals + DEI restrictions across housing agencies

All this—plus a few plot twists that even Netflix couldn’t script.

 

If you ever want to buy or sell a property anywhere in the world, our team would be honored to help get you to your next destination.

Until next time, stay informed, stay sharp, and as always… stay ALL IN!

 

Amit Bhuta COMPASS ALL IN Miami Group Licensed Real Estate Agent

[phone] Mobile ALLinMiami.com