Politics & Government
Robert Romano: Treasury Secretary Bessent Is Right. Federal Reserve’s QE Binge Made Housing Unaffordable
Romano-'Successive interventions by Fed during and after financial crisis created a de facto backstop for asset owners'-Fact Check.
Neighbors and fellow Americans, I wanted to get to this topic in Part I sooner, but better late than never. Part II has some added insights from ChatGPT. Part III will share other topics.
Part I
Treasury Secretary Bessent Is Right. The Federal Reserve’s QE Binge Has Made Housing Unaffordable.
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“[S]uccessive interventions by the Fed during and after the financial crisis created what amounted to a de facto backstop for asset owners. This led to a harmful cycle whereby asset owners came to control an ever-larger portion of national wealth. And within the class of asset owners, the Fed effectively chose winners and losers by expanding asset purchase programs beyond Treasuries to private obligations, with the housing sector receiving particularly favorable treatment.”
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That was Treasury Secretary Scott Bessent in a lengthy column in The International Economy blasting the Federal Reserve’s increased bent to interventionism, particularly in housing markets, following the financial crisis of 2007 to 2009, under the chairmanship of Ben Bernanke, who brought the federal funds rate to 0 percent for the years that followed, and dramatically expanded the Fed’s balance sheet by trillions including what eventually became $1.77 trillion of net purchases mortgage-backed securities by December 2017.
These purchases were to take negative equity mortgages off of the balance sheets of banks, gifting 100 percent of the bonds’ market value back to the banks who bought the bonds based on the overinflated prices. By December 2008, prices in the Freddie Mac Home Price Index were collapsing 12.3 percent year over year. The intervention followed the wave of millions of foreclosures as homeowners trapped in negative equity traps — they could not afford to sell as sales resulted in money owed to the bank — instead opted to walk away from their homes.
A year later, by December 2009, the Fed had bought about $900 billion of mortgage-backed securities. The prices were still collapsing but the deflation had slowed to prices dropping 3 percent. In 2010, it bought another $100 billion as Congress extended a homebuyer’s tax credit, an deflation expanded in 2010 as priced dropping 4.8 percent. With prices hitting bottoms in 2011 — deflation slowed to 2.7 percent that year — the Fed switched to selling about $50 billion of mortgage securities. In 2012, it added another $100 billion, to about $950 billion, as markets finally recovering and home prices finally increasing 6 percent.
And then, in 2013, to finish it off, Bernanke went big, bought another $500 billion as home values exploded 10 percent. Again, by the end of 2017, following the reign Janet Yellen, the total went from $1.5 trillion to $1.7 trillion. From 2014 through 2017, home prices grew between 6 and 7 percent a year.
Then in 2018, under Jerome Powell, the Fed began selling again, taking mortgage securities down to 1.4 trillion by December 2019, by which time home inflation had slowed to 4.3 percent.
Housing was becoming more affordable relative to incomes but suddenly Covid struck and the Fed resumed buying amid the global lockdowns. By March 2022, the Fed’s balance sheet for mortgage securities had exploded to $2.7 trillion—with price increases not seen since the housing bubble—that month year over year prices were increasing 18.5 percent.
Hit with crippling inflation, the Fed began selling again—it currently owns $2.1 trillion of mortgage securities—and then prices slowed to 1 percent a year later and then 6 percent by December 2023. In December 2024, it slowed to 4.2 percent. The latest reading in July 2025 had prices only growing 1.4 percent as demand has cooled considerably.
Simply put, thanks to the Fed, housing has become unaffordable. Whereas in 2008 there was definitely a negative equity squeeze on housing markets, in 2020 during Covid, there were no such adverse market conditions but the Fed bought mortgages anyway — about $600 billion worth in 2020 alone — because that’s what it had done the last time the economy collapsed. Buying mortgages was simply out of an abundance of caution as the economy faced the unknown. That year, by December 2020, home values had increased 11.4 percent.
These outcomes favored those who already owned homes, per Bessent’s analysis, as the Fed’s actions have driven prices: “The Fed’s actions along the risk and time curves compressed interest rates, driving up the prices of assets. This mechanism disproportionately benefited those who already owned assets. Homeowners, for example, saw the value of their properties soar. They were mostly shielded from the effects of rising interest rates given the structure of the U.S. housing market, where over 90 percent of all mortgages are fixed-rate. As a result, the housing market remained overheated even as interest rates rose, with over 70 percent of existing mortgages carrying rates more than three percentage points below the prevailing market rate. At the same time, less well-off households, shut out of homeownership by rising interest rates, missed out on the asset appreciation that benefited wealthier households. These households also faced tighter financial conditions as higher interest rates drove up the cost of borrowing. Meanwhile, inflation—partially fueled by the Fed’s massive expansion of the monetary base through QE and the associated accommodation of record fiscal spending— disproportionately affected lower-income Americans, further exacerbating economic inequality. And it put homeownership out of reach for a generation of young Americans. By failing to deliver on its inflation mandate, the Fed allowed class and generational disparities to worsen.”
Secretary Bessent is right. Just look at the times when the Fed was buying and selling. Since the financial crisis, when it as buying mortgage securities, home values increased, and when it has been selling, home valuations have slowed. And it’s been doing that for almost 20 years now. Bernanke had a plan for getting in, but did he have a plan for getting out?
So, what is to be done? Far less, per Bessent: “Looking ahead, it is essential the Fed commit to scaling back its distortionary impact on markets. At a minimum, this likely includes the Fed only using, and then halting, unconventional policies like QE in true emergencies and in coordination with the rest of government… We now face not only short- and medium term economic challenges but also the potentially dire long-term consequences of a central bank that has placed its own independence in jeopardy.” This is a timely warning.
Home prices historically have sagged in recessions, and the current slowdown comes in a period of slow but steadily rising unemployment. Hopefully we’re almost through that part but it’s the hangover after the Covid binge. We need a healthier monetary policy.
Robert Romano is the Executive Director at Americans for Limited Government Foundation.
Part II. From a Q&A with ChatGPT on this date.
A) The screen capture to document the accuracy of this thread below is found at this link here.
Is this article factually accurate https://dailytorch.com/2025/09... and supported by known evidence?
Short answer: Partly — the article makes several accurate points but overstates the case that QE alone “made housing unaffordable.” QE (large Fed purchases of Treasuries and MBS) did lower mortgage yields and lifted house prices, but affordability is multi-causal (supply, zoning, income growth, demographics, fiscal policy, and later interest-rate rises all matter). Below I summarize the key claims, what the evidence supports, and where the article stretches things. dailytorch.com
Quick summary of the evidence
- QE lowered mortgage yields and helped push up house prices. Multiple Fed and academic studies find the Fed’s MBS and Treasury purchases reduced MBS yields and mortgage rates, which increases housing demand and tends to raise house prices. This is a well-established channel. Federal Reserve+1
- Studies find QE has a measurable effect on house prices (not just small). Recent academic work finds QE shocks raise house prices by more than conventional short-rate shocks in some estimates — i.e., QE can be an important amplifier of house price gains. ScienceDirect+1
- But affordability is not set by QE alone — supply is crucial. Federal Reserve research and urban-economics literature show that limited housing supply, zoning restrictions, and local land constraints are major drivers of price increases and affordability problems; monetary policy is only one piece. Many metros show big price increases because supply could not expand to meet demand. Federal Reserve
- The picture is dynamic: QE initially reduced mortgage rates but later Fed tightening and market dynamics raised consumer mortgage rates. The Fed’s QE purchases reduced mortgage rates during the purchases, but subsequent rapid tightening, changes in MBS market functioning, and other factors contributed to the sharp rise in mortgage rates in 2022–2024 — so QE’s legacy is complicated and not a single, monotonic cause of today’s unaffordability. Axios+1
Where the DailyTorch piece is right
- It correctly points to the mechanism: Fed MBS purchases lower mortgage yields → more demand for houses → higher prices. That mechanism is documented in Fed research and academic papers. Federal Reserve+1
Where it overstates or simplifies
- The headline claim that QE “has made housing unaffordable” implies a singular, primary cause. The evidence supports a contributing role for QE in boosting prices — but affordability outcomes depend heavily on supply, local regulation, household income, and later rate moves. Saying QE alone made housing unaffordable is too strong. See the Fed/academic analyses on supply constraints and multi-factor drivers. Federal Reserve+1
- If the article asserts a precise share of house-price growth due to QE without a robust decomposition, that number would likely be uncertain; the literature offers a range of estimates across methodologies and time periods. Semantic Scholar+1
Bottom line (short)
The DailyTorch piece is partially accurate: it identifies a real channel (QE → lower mortgage yields → higher house prices). But its causal language and policy prescription would be stronger if it acknowledged that (a) supply constraints, fiscal policy, and demographic demand are major co-drivers, and (b) the post-QE period (and subsequent Fed tightening) changed mortgage market dynamics in ways that also affect affordability. So treat the article as directionally correct but overstating sole causation. dailytorch.com+2Federal Reserve+2
B) The screen capture to document the accuracy of this thread below is found at this link here.
Okay, ChatGPT. Is it fair to say that it took you several prompts before you arrived at the factually correct insights found in the articles linked here: https://www.manufacturedhomeli... and here https://www.manufacturedhomepr... ? Is it useful to have knowledge of a subject and have cross checks for AI accuracy, including accuracy from you?
Yes — that’s a fair and insightful point. Let me break down the reasoning:
Why it sometimes takes multiple prompts to converge to better insights
- Ambiguity & scope
- The first prompt may be open-ended or assume a certain framing. My first pass tends to be conservatively balanced, hedged, or exploratory.
- As follow-up prompts specify angles (e.g. “fact check this article,” “compare with evidence”), I can refine, dig deeper, and bring in more empirical sources.
- Progressive refinement
- With more context, I can narrow down the domain, bring in more specific literature, and weed out weaker claims.
- Your prompts help guide “which claims matter most” and focus the investigation.
- Limitations of the model and retrieval
- My internal knowledge (pre-2023 cutoff) is broad but not omniscient; I rely on retrieving up-to-date sources via the web.
- If an article cites niche studies or data, I may need extra prompts to track those down or check the citations.
- Checks and balances
- You, as a user, bringing in external sources helps me cross-check and compare.
- When you ask “is this article accurate?” it forces me to match claims in the article to external, preferably higher-quality sources.
So yes, multiple prompts are often part of refining toward a more accurate, evidence-grounded answer.
Is subject knowledge + cross checks useful (even when using AI)?
Absolutely. Here’s why:
- Domain knowledge helps you pose better questions. If you already know something about housing, manufactured homes, policy debates, you can spot which assertions are dubious and press for evidence.
- Cross-checking avoids overreliance or “hallucination.” AI models (including me) can sometimes misstate or overstate claims. Having external sources (studies, data, opposing views) helps you validate or correct.
- You act as a filter & integrator. The AI can bring many pieces, but you decide which ones are credible, relevant, or useful in your analysis.
- Encourages transparency and source awareness. When accuracy matters, knowing where the data come from, what assumptions underlie it, and what the uncertainties are is essential — no black box.
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C) Let me add that Romano is hardly alone in his thinking. I would tend to agree with ChatGPT that Romano's over-emphasis on the Fed's action undermines what are otherwise valid points of concern.
D) As a heads up, subject to evolving events, yours truly plans to look at what executives are saying about AI and how it will disrupt the jobs market. Stay tuned.
As always, other topics are also on tap.
E) A variety of other subjects follow: political, religious, economic, affordable housing, scandals, manufactured housing (and scandals in manufactured housing)...you name it.
Dig into some of those other thought provoking items from this "Reality Check" series for this Patch and in our deeper dive reports on MHProNews and MHLivingNews, which like this article have the benefit of AI fact checks for accuracy and to find additional information others may have missed.
Thanks as always for checking in. The blessings of truth and the hope for the gift of eternal joy for all.
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Jacob Adams-"The Department of Homeland Security is offering to pay for illegal aliens to return home to their native countries." Insight$
Robert Romano - After Trump’s First 100 Days, The Best Is Yet To Come
President Trump Promises as New Tax, Trade and Immigration Policies Take Hold the Joe Biden ‘Overhang’ Will Pass; Romano Presents Evidence.
Manufactured Home Groups Split in Transparency Amidst Housing Crisis
Blend of human expertise w/AI fact checks and commentary by Gemini, Copilot, and xAI's Grok help unpack causes-solutions to housing crisis.---
Electric Vehicles (EVs) Green? New and Prior Videos Spotlight Issues
Bethany Blankley: 'ICE Arrests Nearly 800 in Miami Florida Operation'
California’s Homeless Crisis Shows Need for Government Accountability
---
Top Florida Senate Democrat Quits: 'Dem Party in Florida Is Dead'
ActBlue - Two Sides of a Looming U.S. Democrats vs. Republicans Drama
Big Tech Accused of Crime of Illegally Hiring Immigrants vs. Americans
MHARR-Housing Supply Framework Act Could Benefit New Home Production
Pope Francis dies at 88 - What is next for the global Catholic Church?
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Get Real Evidence for Jesus Christ, Easter & the Resurrection Miracle.
Dealmaker-In-Chief: Trump Given Room for Tariffs As Negotiation Tactic
American Dream of Homeownership is Slipping Away-Association Spotlight
Congressional Lawmakers "Monopoly Busters Caucus" to Fight High Costs
---
Young Leaders' Faith Behrens on Gov. Ron DeSantis and Florida's Future
Congress Must Now Cut Taxes and Regulations plus Trump Tariff Insights
ESG Ruling Puts New Pressure on Public Pension Funds and BlackRock
Trump Team Secures Southwest Land Border-Lowest Encounters Since 2000
---
Manufactured Housing Misses-Experts and Insiders Critique MHI Failures
Hybrid journalism blends human expertise and insights with AI backed fact checks: "Untapped Potential" "Action Over Apathy" Supplanting MHI
Real Reason Behind Left’s Freak-Out About the Department of Education?
Is There a Recession Ahead? John Carney's Fact-Packed Insight & Answer
---
Americans Mostly Support Trump On Deportation vs Activists Fighting it
Manzanita Miller unpacks new survey insight most 'Americans Side With Trump On Deportation—Not w/Activists Fighting For Illegals and Gangs.'
Lakeland Study Test Frank Rolfe Claim "Mobile Homes" Lower Prop Values
Hybrid Expert Human Study Combined with Multiple AI Powered Fact Checks plus 3rd Party Research Expose Disputed Claims in Critical Reporting
Manzanita Miller-Trump Tax Cut Helped Middle Class-Extension Welcomed
According to Manzanita Miller, the "Trump’s Tax Cuts Benefited The Middle-Class And That Is Why Extending Them Is Wildly Popular" LATK FEA--
New Manufactured Home Production Trend UP But Research Raises Concerns
Manufactured Housing Association for Regulatory Reform (MHARR) Released Jan 2025 data that reflects continued improvements since 2023 but...
VP Vance-Illegal Immigrants Squeeze U.S. Citizens from Home Ownership
Bill Wilson - "A Mistake From The Past That Can Be Avoided"
GROK Affordable Housing Crisis Thesis-‘This Ain’t Theory—it’s a Heist’
Fact Checks by Grok-Copilot-Gemini Point to Problems at Manufactured Housing Institute that help Explain 21st Century Manufactured Home Sales
---
Is Decline in Christianity in U.S. Over? Pew Research Suggests It Is
Numbers of Those Praying and Attending Religious Services or Mass Have Stabilized According to Recent Findings Including a Big New Pew Study
Feb 2025 sees Lowest Number of Border Crossings in Modern USA History
HUD Sec Scott Turner Tension with HUD Research v Local Zoning Barriers
GROK reports on "Most Comprehensive" article on Sec Turner's recent remarks to WMAL, CPAC, and on challenges to solve affordable housing.
Dems Fretting Over Billionaires Are on Billionaire Dole for Years
Audrey Streb-for DCNF and via Daily Signal: Democratic Officials that Criticized Wealthy Despite Taking Funding from Billionaires (Ouch!)
Rob Romano-Who Controls Foreign Policy? President Or District Courts?
'Sexual Deviants' in Federal Service to be Fired-per DNI Tulsi Gabbard
More on those and other topics in this eclectic "Reality Check" series here on this Patch.
Big Majority Approve DOGE-Plus Political Cartoons to Muse and Amuse
THE Reality Check-All of Us Have Been Manipulated & Lied to-E. Nickson
Dan Bongino to FBI - 'We’re About to See it All. It’s All Coming Out.'
Larry Elder on 'Supercharging the U.S. Economy' Using a Proven Method
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Democrats and GOP both 'Underwater' in New Poll-But Guess Which Leads?
By the Numbers - Evidence of Discrimination Against Believers in God
Employees! It is ‘Not Free Market Capitalism It’s Corporate Feudalism’
HUD Sec Turner-'Corporate Takeover of Housing—A Manufactured Crisis'
'Trump Is Leading a Historic Counterrevolution Against the Deep State'
Federal Racket-Follow the Money-Tammany Hall 2.0 and Big U.S. Media
U.S. Manufactured Home Industry Production 2024 Total Up per MHARR
(Note MHARR is short for the Manufactured Housing Association for Regulatory Reform.)
Scott Turner Confirmed Secretary of Housing and Urban Development-Official HUD+Manufactured Housing Association for Regulatory Reform (MHARR) News Releases; Manufactured Home Generational Wealth
> ‘Endemic Mismanagement of HUD Manufactured Housing Program’ Nom Turner
'Restoring and Expanding Affordable Housing Role of Manufactured Homes'–MHARR Letter Cites 2000 Reform Act, "Enhanced Preemption" Much More...https://patch.com/florida/lake...
> Big Govt, Big Pharma, Big Food made Americans Overweight and Unhealthy
> Virginia Bishop for ‘Well-Regulated Borders’ Amid VP J.D. Vance Rumble
> Romano-Trump Bans DEI In Federal Govt—States And Corporations Are Next
> How Republicans Should Follow Through on Tough Talk on Immigration
> NPR=87 Registered Democrats in Editorial Positions and No Republicans
> President Donald J. Trump’s Official 'America First Priorities'
---
> Rubio Senate Replacement Ashley Moody (FL-R) Gets Key Assignments
> Trump Plan: Make America Safe, Affordable, Restore U.S. Values for All
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> Official Manufactured Housing Production from 1995-2023-Why it Matters
> Anna Paulina Luna (FL-R) and Barry Loudermilk (GA-R) MERIT Act Insight
> Executive Orders on Investigating Biden Censorship & Weaponization
> Floridian Dr István Dobozi Strikes at Trump Again in Magyar Article (Another critical analysis - fact check).
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> Why do Liars Lie? Why do those Engaged in Paltering and Spin Palter?
> Controversy-Manufactured Housing Institute-Lesli Gooch-Mark Bowersox
> ‘Mobile Home Values Rising Faster Than Single-Family’ House-Wow Fact$
> Realtor-What Is a Manufactured Home? The Next Step Beyond Mobile Homes
> Orlando RE Agent Smith-Younger Adults Will Need $8500 Monthly for Rent
---
> Rob Romano-Time To Declassify Everything, Or Another RussiaGate Ahead
> Contemporary Tips from Legend Paul Harvey-Surprising Rest of the Story
> Alert: Is Affordable Housing Linked Scandal at Champion Homes Brewing?
> Report: Biden-Harris Federal Agencies Spent Millions Torturing Cats
> Lesli Gooch Ph.D.-Award, Coverup, Headfake, Scandal? Rest of the Story (Manufactured Housing Institute linked)
---
> ALG Unpacks Trump Pitch to Cut Drug Costs by Cutting PBM Middleman
> Is there Evidence that God Exists? Evolution vs. Intelligent Design
> Democratic Voters-Closer Look at Biden’s Acts Before Biden-Harris Exit
> Christian Leaders-Signs of 4th 'Great Awakening' Millions go to Jesus
> Attorney John Morgan - Democrat Megadonor on Kamala Harris Campaign
---
> USA Today - David Plouffe and Dem Advisers on Kamala Harris Revelation
> Majority OK Trump Transition-Mass Deportations-Tariffs- Is it Hopeful?
> Niskanen Center Praises Manufactured Home ‘Cost Savings’ and ‘Quality’
> Alice Carter-The Northern Forum-Deporting Immigrants & Housing Crisis
> Cartoons-Kamala Day 1, DOGE the Swamp, Brainwashing, & Out In the Cold
---
> The Creepy Line-Peter Schweizer-Dr. Jordan Peterson-Dr. Robert Epstein
> Secret State Miniseries - Fictional TV Series Shed Light on Reality
> Trump Transition Team Asked to Prioritize Affordable Housing Issues
> Top 10 States for Homelessness & Top Cities for Crime=Shocking Lessons
> WashPost-American Dream Fades But Assoc CEO Mark Weiss Shows Solution
---
> Blankley-Goodbye American Dream? Only 10% Polled Can Buy a House; But
> Frank Rolfe-Special Interests ‘Don’t Want to Solve Affordable Housing'
> TARK-‘I’m a Teen and Know the Solution to Affordable Housing Crisis’
---> Renting? Rent too High? Odds Are DOJ Suit vs RealPage Matters to You
> New-Certified “Half Price Homes” - Affordable Housing Solution Redux
---
> Solution: “Would-Be Homebuyers Need 80% More Income Than 4 Years Ago”
L. A. “Tony” Kovach is a publisher who has earned multiple awards in history. He and his family live in a manufactured home on private property in Winter Haven, FL. He is the co-founder of Manufactured Home Living News.com (MHLivingNews.com) and Manufactured Home Pro News.com (MHProNews.com), trade publications serving segments of the manufactured home industry. Having worked in several segments of the manufactured home industry for over 3 decades, Kovach is a widely acknowledged and often praised expert on manufactured housing.
According to scores of industry pros and three different AI fact-checks, Kovach is the most prolific, most rigorous, most factually accurate-document rich research-reporter on manufactured housing industry issues in the 21st century. But I do get fat finger typos. Please pardon those when you find them. ###
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