Something interesting is happening behind the scenes with Fannie Mae and Freddie Mac, and it’s worth paying attention to as investors. Over the past year, both of them have been holding onto more mortgages instead of immediately selling them off as mortgage-backed securities (MBS). Their retained portfolios are now at some of the highest levels we’ve seen in years. Why does this matter? Fannie and Freddie are two of the largest players in the mortgage market. Normally, they buy loans from lenders, bundle them into MBS, and sell them to investors. But recently, they’ve been acting more like a long-term buyer, keeping a bigger portion of those loans on their own balance sheets. That does a few important things: • It absorbs supply in the secondary market • It increases demand for mortgages and MBS • And when demand goes up, yields tend to come down Lower yields = lower or more stable mortgage rates. The key takeaway here is that this support isn’t coming from: ❌ Fed rate cuts ❌ Looser lending guidelines ❌ Some big policy overhaul It’s coming from the plumbing of the mortgage market itself. In a market where affordability has been tight and rates have stayed higher than many expected, this kind of steady institutional buying can quietly put downward pressure on rates — or at the very least, help prevent them from rising further. For investors, this is a good reminder that mortgage rates aren’t driven by headlines alone.The secondary market mechanics matter just as much — sometimes more. 📌 Translation: there are multiple forces at work right now that could create better financing conditions ahead, especially for those who are prepared and paying attention. If you’re positioning yourself to buy in the next cycle, this is exactly the type of signal you want to understand early. But remember: NOW is always the best time to buy. If you keep waiting around for rates to drop to start buying, you're going to compete with the rest of the investors on the sidelines waiting for the same thing to happen...

If you’re serious about buying your 1st or 2nd auction property in 2026, this is for you. I’m officially opening enrollment for my 6-Week Auction Investing Group Coaching Program — built for beginner → intermediate investors who want a clear system + hands-on support to actually close a deal. What You’ll Learn: ✔ How to find solid auction deals ✔ How to get financing (even without W-2 income) ✔ How to build your investor team ✔ How to analyze deals + choose the right exit strategy How It Works: 📆 6 weeks 📞 2 live calls per week 🤝 1:1 support included 👥 Only 20 spots available (over half already filled) 📅 Starts January 15th — designed to position you to buy in 2026. This isn’t for spectators. It’s for investors ready to take action. 👉 Click here to book a call to see if this is a good fit. Spots are limited and enrollment will close once they’re filled. Let’s make 2026 your year. 🚀