The Federal Reserve (aka “the Fed”) is the US central bank that sets policies relating to the flow of money. Even though they’ll be the first to admit they don’t have perfect control of the situation, their goals are to keep employment high, prices stable, and financial instability at a minimum.
Source: Kevin Litwicki Universal Lending
Why The Housing Market Cares About The Fed

By some measures, housing and mortgage markets took a turn for the worse in 2018. Some of the weakness can be thought of in a positive light (i.e. housing catching its breath after a strong run). But the rest of the weakness was cause for concern. It raised questions as to how deep the housing and mortgage market corrections might go.
Source: Kevin Litwicki Universal Lending
Why 2019 Could Actually be Great For Housing and Mortgage Markets

The last 2 months of 2018 marked a solid run for mortgage rates. December in particular was the best month in at least at least 4 years in terms of the pace of improvement. Balance that against the fact that early November saw the highest rates in more than 7 years!
Source: Kevin Litwicki Universal Lending
Lowest Rates in a Year, And They Could Go Even Lower. What Changed?

Brace yourself. There’s a lot to unpack this week. When it comes to factors affecting home sales, rates, and markets in general, we’ve rarely seen such a combination of complexity and uncertainty.
Source: Kevin Litwicki Universal Lending
Why We're Seeing Huge Moves in Home Sales, Prices, and Rates