The Federal Reserve has stayed the course, stalling rate cuts as they wait to see the impact of President Donald Trump’s Tariffs. Vivian Gueler, CFO of Pacific Trust Group, spoke about mortgage rate expectations for the coming year.

They don’t make loans themselves, but they help banks make more of them.

Alanna McCargo of the Federal Home Loan Bank of San Francisco discusses the bank’s role in the region’s housing affordability challenges.

Longer-term mortgages would mean lower monthly payments, but they’re more expensive overall.

It all depends on what happens with home prices.

The median home buyer’s income is higher than the median U.S. household income. And the gap is growing.

High interest rates, lower than expected rents, and an oversupply of new apartments are squeezing landlords, especially those located in Sunbelt states.

But not because it’s easier to buy.

The increase in housing supply will help bring down, or at least steady, prices, experts say.

Comparatively, 1 in 10 white borrowers are turned away.