Francis Torres

speaker

80 appearances 1 recordings 1 series first heard Jun 2026 last heard 25 Jun

Francis Torres’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.

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The Excerpt · On housing, America agrees. Trump stands alone · 25 Jun 2026 podcast

The Harvard report really does emphasize the extent to which homeowners are burdened by high costs.

And a key driver of these costs is interest rates.

This bill doesn't address interest rates.

That's a macroeconomic factor, and that's ultimately up to the Federal Reserve.

So there is an extent to which this bill is not going to tackle that particular concern.

However, I do want to emphasize that the second order consequence of this bill passing, right?

The first order consequence being the reforms they will immediately put in place, but their impact, if well implemented, will create just a supply increase.

That, the theory goes, should then reduce some of the cost burdens on American households, both renter households and homeowner households, as we have a more abundant housing market.

I mean, they're all huge factors impacting housing affordability.

And I think you're getting at why this problem is so complicated.

It's a problem that has many different roots.

And so the macroeconomic environment, the interest rate environment has a lot to do with the costs that homeowners and prospective home buyers face.

At the same time, there's a broader supply constraint that I've been discussing with you here that over time has also made it harder to access homes and driven up the cost of homes in the housing market.

So all this to say, there's a multiplicity of inputs into this

this housing affordability challenge that we're facing.

However, a lot of what this bill is trying to achieve is tackling those that federal government has within its domain and helping state and local governments in tackling the ones that they can tackle directly through incentives and also through specific federal funding.

And so while, you know, this legislative action cannot really address all of the different aspects that drive housing and affordability and then more broadly drive concerns around affordability in general.

It is, I think, quite strategically tackling those that are within the remit of federal government to focus on.

Of course, happy to join.

Thank you so much.

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