$200B Mortgage Bond Purchase

Disclaimer:
This article is for informational purposes only and should not be considered legal, tax, or financial advice. Individuals should consult with qualified tax, legal, and financial professionals regarding their specific situation.

On January 8th, 2026, the government stepped in with a $200 BILLION mortgage bond purchase — a move designed to push mortgage rates lower and stimulate housing activity heading into spring. 📉

Here's what we're seeing: • Last year (early 2024): Rates hovered near 6.9% • Today: Dropped to approximately 6.16% • Expected trajectory: Mid-5% range by late spring/early summer

Why this matters for Nevada buyers:

As rates move down, buyer competition historically tends to move up. More buyers qualify for financing, demand increases, and prices typically feel upward pressure. In markets like Incline Village, Crystal Bay, Zephyr Cove, Stateline, and Glenbrook, where inventory is already limited and desirable properties move quickly, even a half-point rate drop can shift market dynamics.

🏡 The opportunity right now:

If you're considering purchasing on the Nevada side of Lake Tahoe this year, there's a case for moving sooner rather than later:

✅ Shop with less competition than you'll likely see in spring/summer
✅ Negotiate thoughtfully without the pressure of multiple offers
✅ Secure today's pricing before potential demand-driven appreciation
✅ Keep the option to refinance when rates drop further (while owning the home you want)

The Nevada advantage: With no state income tax and strong property rights, Nevada-side Lake Tahoe real estate continues to be an attractive long-term investment. Combined with falling rates and limited inventory, it's worth considering your timeline.

If you've been thinking about making a move, this is a good moment to have the conversation. The market dynamics are shifting following the January 8th announcement.

Reach out if you want to talk strategy, timing, or specific opportunities around Incline, Zephyr Cove, Stateline, or Glenbrook. Happy to discuss what makes sense for your situation.