Monthly housing payments just dropped to their lowest level in two years — down nearly 5% from last year.

California passed SB 79, making it easier to build housing near transit. And Trump is directing a $200 billion mortgage bond buy-up that could push rates lower.

But here's the debate: $200 billion sounds massive, but it's only about 1.6% of the $12 trillion mortgage market. Will it move the needle long-term, or just heat up prices without more inventory?

Which of these stories do you think will have the biggest impact? Let me know in the comments.