Friday, January 9, 2026 / by Ryan Huemmer
Fannie Mae and Freddie Mac to purchase $200 billion in mortgage bonds: What Wisconsin Home Buyers Need to Know
If you're a Wisconsin homebuyer watching mortgage rates anxiously, there's breaking news that could significantly impact your home purchase plans. President Trump has announced a bold initiative directing Fannie Mae and Freddie Mac to purchase $200 billion in mortgage bonds, a move designed to drive down mortgage rates and make homeownership more affordable across the state and nation.
The announcement sent immediate shockwaves through financial markets. Mortgage bonds rose and home-lender stocks rallied after President Donald Trump said he was directing the purchase of $200 billion of the securities, with companies like Rocket Companies seeing their stock jump nearly 10% and LoanDepot surging 19% in after-hours trading. The market reaction suggests investors believe this policy could have real teeth.
For Wisconsin families struggling with affordability, this deve ...
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Thursday, December 11, 2025 / by Ryan Huemmer
Your Local Real Estate Experts at The Huemmer Home Team Are Here to Help Navigate Today's Market
The American Dream of homeownership is becoming increasingly difficult to achieve as housing affordability reaches a critical low. Recent analysis reveals that more than three-quarters of homes nationwide are now financially out of reach for typical American households, creating significant barriers for families hoping to purchase property.
Understanding the Housing Affordability Crisis
According to recent data from Bankrate, over 75% of homes across the United States are unaffordable for the average household. A home is considered affordable when annual housing costs remain at or below 30% of household income, a threshold that most properties now exceed.
"Only a sliver of the housing market is affordable to the typical household. It's changed over the years from one income to two incomes to qualify. Now more than ever, a third income or borrower is needed to qualify." explain ...
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Wednesday, December 3, 2025 / by Ryan Huemmer
The Madison housing market is poised for a significant shift in 2026, marking the beginning of what experts are calling "The Great Housing Reset." According to recent industry forecasts, homebuyers across Wisconsin and specifically in the Madison area will finally start seeing some relief as affordability gradually improves for the first time since the Great Recession era.
"We're entering a pivotal moment for Madison homebuyers," says Ryan Huemmer, Team Lead at The Huemmer Home Team. "After years of escalating prices and high mortgage rates, 2026 will mark the beginning of a long-term recovery. This won't be a dramatic overnight correction, but rather a sustained period where wages finally start outpacing home price growth, creating opportunities for buyers who've been sitting on the sidelines."
Madison Mortgage Rates Expected to Ease
Mortgage rates are projected to continue their gradual decline throughout 2026, with the 30-year fixed rate averaging around 6.3% for the ye; ...
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Thursday, November 20, 2025 / by Ryan Huemmer
Strong Price Growth Continues in Madison Area Real Estate
The Dane County housing market is showing robust activity as we close out October 2025, with home prices reaching new heights and inventory levels creating competitive conditions for buyers. Whether you're considering selling your home or searching for your dream property in the Madison area, understanding these market trends is essential for making informed decisions.
October 2025 Market Highlights
Median Home Prices Hit Nearly $500K
Single-family homes in Dane County reached a median sold price of $499,900 in October 2025, representing a 4.15% increase from the previous month. This milestone reflects the continued strong demand for housing in the greater Madison area.
Looking at the broader picture, home prices have increased impressively over the past year, with a 9.39% gain over the last 12 months. For homeowners who purchased two or three years ago, the appreciation has been even more substantial, with 24-mon ...
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Friday, November 14, 2025 / by Ryan Huemmer
If you're a Madison homeowner considering a move but hesitating because of today's higher mortgage rates, you're not alone. Many Wisconsin homeowners are locked in historically low rates between 2020 and 2022, and the thought of trading a 3% mortgage for today's rates in the 6-7% range can feel financially painful. That's why the Trump administration's recent proposal to introduce portable mortgages has caught the attention of homeowners across the country, including right here in the Madison area.
What Are Portable Mortgages?
A portable mortgage allows homeowners to transfer their existing mortgage and interest rate to a new property when they move, rather than paying off their current loan and taking out a brand-new one at current market rates. Imagine you're selling your home in Middleton with a $200,000 remaining balance at 3.5% and buying a house in Verona for $450,000. With a portable mortgage, you could transfer that $200,000 loan to your new property while keeping y ...
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