<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Amir Guerami]]></title><description><![CDATA[A national direct mortgage lender, providing insights into the mortgage and real estate markets with smart, data driven analysis.]]></description><link>https://www.amirguerami.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Mon, 06 Apr 2026 08:36:23 GMT</lastBuildDate><atom:link href="https://www.amirguerami.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[When Wars Shake the Middle East, What Happens to Your Mortgage Rate?]]></title><description><![CDATA[When missiles fly and headlines scream about Middle East conflict, millions of Americans with mortgages — or hoping to get one — are left asking the same quiet question: What does this mean for my rate?  The answer is deeply counterintuitive, historically consistent, and right now, more complicated than ever. The Fundamental Connection: Bonds and Mortgages To understand how war thousands of miles away can change your monthly mortgage payment, you first need to understand a simple chain...]]></description><link>https://www.amirguerami.com/post/when-wars-shake-the-middle-east-what-happens-to-your-mortgage-rate</link><guid isPermaLink="false">69a3342b68ed4778a4e9d84b</guid><pubDate>Sat, 28 Feb 2026 18:49:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/1eec31_b5b25800c47d47c8bcba4dff89ba4e4b~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Amir Guerami</dc:creator></item><item><title><![CDATA[The Housing Revolution of 2026: Bipartisan support, really? How H.R. 6644 and the ROAD Act are Changing the Game.]]></title><description><![CDATA[For years, the housing market has felt like absolute gridlock with no relief in sight. Housing is not a blue/red issue. It has become a "purple" issue, and bipartisan support from both sides of the aisle should be applauded.  DC finally woke up, appreciated the dissatisfaction from both sides of the voting public, and started putting the picture together. In a rare display of bipartisanship, the House of Representatives passed H.R. 6644 (Housing for the 21st Century Act) by a staggering...]]></description><link>https://www.amirguerami.com/post/the-housing-revolution-of-2026-bipartisan-support-really-how-h-r-6644-and-the-road-act-are-chang</link><guid isPermaLink="false">69922862159d7fac963e9d4c</guid><pubDate>Sun, 15 Feb 2026 21:12:36 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/1eec31_6a02e7ca119b40edb48bf0d6ced86537~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Amir Guerami</dc:creator></item><item><title><![CDATA[The "Ghost of 2008" vs. 2026: Why the Housing Collapse Never Happened!]]></title><description><![CDATA[For the better part of three years, YouTube thumbnails have been dominated by "Crash Imminent!" and "Housing Meltdown!" pundits. They pointed to skyrocketing interest rates and argued that the post-COVID bubble was destined to burst, just as in 2008. Yet, here we are in February 2026 , and the national median home price is still sitting near record highs. While the clickbait promised a 40% collapse, the reality has been a "boring" normalization. Why was the "Ghost of 2008" so wrong, and where...]]></description><link>https://www.amirguerami.com/post/the-ghost-of-2008-vs-2026-why-the-housing-collapse-never-happened</link><guid isPermaLink="false">6987ead2babf74b7d0ddb1e2</guid><pubDate>Sun, 08 Feb 2026 01:49:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/1eec31_a062a662e17947c3a306330d7bc1c7f7~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Amir Guerami</dc:creator></item><item><title><![CDATA[Powell Out! Will Warsh Deliver Lower Rates?]]></title><description><![CDATA[On January 30, 2026, President Trump nominated Kevin Warsh , a former Federal Reserve Governor, to succeed Jerome Powell  as the next Chair of the Federal Reserve. As Powell’s term as Chair ends in May 2026, will the Fed's transition under Warsh mark a pivotal moment for U.S. monetary policy? The nomination of Kevin Warsh signals more than just a change in leadership; it represents a potential shift in the "regime" of American monetary policy. While Jerome Powell led the Fed through the...]]></description><link>https://www.amirguerami.com/post/powell-out-will-warsh-deliver-lower-rates</link><guid isPermaLink="false">69834a4e889819a51f09be14</guid><pubDate>Wed, 04 Feb 2026 13:53:58 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/1eec31_2424de5e1f9243deb9f5329b5b90b048~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Amir Guerami</dc:creator></item><item><title><![CDATA[Keeping it Steady - First Rate Decision of 2026 - Fed keeps rates unchanged on 1/28/2026]]></title><description><![CDATA[The Fed had a two-day meeting (January 27th-28th) to discuss rate policy. The Fed decided to keep rates steady. Their announcement, after their decision, provides a wealth of insight into their frame of mind. The Fed upgraded its assessment of economic activity to "solid" from "moderate,” and said unemployment showed signs of stabilization.  The transition from "moderate" to "solid"  is a classic Fed signal. By upgrading their description of economic activity, they are essentially telling the...]]></description><link>https://www.amirguerami.com/post/keeping-it-steady-first-rate-decision-of-2026-fed-keeps-rates-unchanged-on-1-28-2026</link><guid isPermaLink="false">697d594db3cf8ba2384c617f</guid><pubDate>Sat, 31 Jan 2026 01:27:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/1eec31_29ee8fb1f206484b9b67725e01694f40~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Amir Guerami</dc:creator></item><item><title><![CDATA[TRUMP : Wall Street can't buy Single Family Homes]]></title><description><![CDATA[In January 2026, the housing market was jolted by a bold executive order from the Trump administration titled “Stopping Wall Street from Competing with Main Street Homebuyers.”  The policy aims to bar large institutional investors from purchasing single-family homes, a move designed to "preserve the supply for American families." While the populist appeal of "evicting Wall Street" is high, the reality of the proposal is complex, shrouded in mystery, and faces a massive gap between public...]]></description><link>https://www.amirguerami.com/post/trump-wall-street-can-t-by-single-family-homes</link><guid isPermaLink="false">697666eb733417ad06df055b</guid><pubDate>Sun, 25 Jan 2026 18:57:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/1eec31_22f6f82f411c44d79dd4071fe4a36062~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Amir Guerami</dc:creator></item><item><title><![CDATA[President Trump orders Fannie &#38; Freddie to buy $200 billion in mortgages]]></title><description><![CDATA[In a move that has sent ripples through both Wall Street and Main Street, President Trump recently issued a directive to Fannie Mae and Freddie Mac—the two government-sponsored enterprises (GSEs) currently in federal conservatorship—to purchase $200 billion  in mortgage-backed securities (MBS). The goal is clear: bypass traditional Federal Reserve policy to force mortgage rates lower and jumpstart a frozen housing market. But as with any massive intervention, the potential rewards come with...]]></description><link>https://www.amirguerami.com/post/president-trump-orders-fannie-freddie-to-buy-200-billion-in-mortgages</link><guid isPermaLink="false">697662f1ea2eced60843840e</guid><pubDate>Sun, 25 Jan 2026 18:42:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/1eec31_a2f576c0447a4f20982f3ff8da83927a~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Amir Guerami</dc:creator></item><item><title><![CDATA[What's Your Rate?]]></title><description><![CDATA["What is your rate?" This is a question that I have to answer about 20 times a day.  In the lending world, "What is your rate?" is the equivalent of walking into a restaurant and asking, "How much for a meal?"The answer, of course, is: It depends on what’s on the menu. While it's the most common question I receive, it's also the hardest to answer with a single number. Why? Because a mortgage rate isn’t a sticker price; it’s a custom-tailored calculation based on your unique financial profile....]]></description><link>https://www.amirguerami.com/post/what-s-your-rate</link><guid isPermaLink="false">69762b766e1e6fddb8166c0e</guid><pubDate>Sun, 25 Jan 2026 14:41:40 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/1eec31_4eb466bbec504509b507958e525a570f~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Amir Guerami</dc:creator></item></channel></rss>