Three stories every homebuyer and homeowner needs to know about:

* LUXURY HOME BOOM: Texas just hit a record with over 14,000 homes selling for $1 million or more last year. That's a 12% jump! But here's the problem — most new construction is targeting wealthy buyers, leaving everyday families with fewer affordable options.

* CREDIT CARD CAP COULD BACKFIRE: President Trump is pushing for a 10% cap on credit card interest rates. Sounds helpful, but mortgage experts are sounding the alarm. If banks cut your credit limit in response, your credit utilization goes up and your score goes down. That could make it harder — not easier — to get approved for a mortgage.

* CALIFORNIA HOUSING FIGHT: The LA Metro Board just voted against implementing a new state law that would allow more apartments near train and bus stops. They want Los Angeles County completely exempted. Housing advocates say this will only make the housing crisis worse.

Which one of these stories do you think will have the biggest impact on the housing market? - Engage Here