Is Quantitative Easing Coming Back? Here’s What It Could Mean for Homebuyers and Sellers

In the real estate world, interest rates shape nearly every conversation. Lately, there’s been a lot of buzz about whether the Federal Reserve is preparing to shift its policy and move toward something that looks like Quantitative Easing (QE) again. If you’re wondering what that means—and whether it will help or hurt your buying or selling plans—here’s a simple, straightforward breakdown.

What Is Quantitative Easing?

Quantitative easing is when the Federal Reserve buys large amounts of financial assets (mainly Treasury bonds and mortgage-backed securities). When they do this, long-term interest rates typically fall, which can make borrowing more affordable.

Historically, QE has helped:

Lower mortgage rates

• Encourage more buyers to enter the market

• Support home prices and inventory movement

Are We Getting QE Again?

The Fed is expected to end its current tightening cycle (where it’s been shrinking its balance sheet) near the end of 2025. When that happens, experts believe the Fed may resume asset purchases in early 2026. This won’t necessarily be a full-scale QE like we saw in 2008 or 2020, but even a “QE-lite” approach could help stabilize long-term rates. For real estate, even small changes in interest-rate policy can make a big difference.

What It Means for Buyers

If the Fed begins purchasing assets again, it may help:

• Ease mortgage rates

• Improve affordability

• Bring more confidence back to the market

If you’re a first-time buyer or thinking about upsizing, a shift in Federal Reserve policy could create a window of opportunity.

What It Means for Sellers

A more supportive rate environment often leads to:

• More buyers are entering the market

• Faster showing activity

• Stronger pricing

• Homes sitting for shorter periods

For homeowners thinking about selling in 2026, these policy changes could create a noticeably more favorable environment.

My Role During Shifting Markets

Whether policies tighten or ease, buying or selling a home involves numerous moving pieces. I provide early structure around timelines, fees, and common surprises—and I guide my clients through the entire process from start to finish. And of course, you can always count on:
“Experience, dedication, and market knowledge you can depend on.”

If you’d like help understanding how changing economic conditions might affect your plans, I’m always here to talk.

—Susan Baltaragis
Naperville Real Estate Professional