How a National Housing Emergency Could Open More Doors for First-Time Buyers

September 19, 2025

Introduction 

Buying your first home is never easy. With prices so high and fewer homes to pick from, it feels even harder right now. But here is something you may not expect: a national housing emergency can sometimes make things a bit easier for first-time buyers.

When the market struggles, sellers may drop their prices, banks may give easier loan options, and the government often brings in schemes to support buyers. All these changes can open a door for you to finally think about owning a home.

In this article, we will look at how a national housing emergency, while tough for many people, could also give first-time buyers a real chance to step into the market.

Why First-Time Buyers Usually Struggle

Right now, fewer people are able to buy their first home. This is mainly because prices are high, and saving enough money feels really difficult for many. Even when you manage to save, getting a loan is another big challenge with all the rules, checks, and endless paperwork.

It is not just about money. Many first time buyers feel sad when they see friends or family buying homes while they are still waiting. It can feel unjust, like the dream of having a home is nearly impossible. U.S. Treasury Secretary Scott Bessent said the government is working to make homes more affordable and to create more houses for people to buy.

A Turning Point for First-Time Home Buyers

First-time home buyers are becoming very rare. In 2024, they made up only 24% of all home sales, according to the National Association of Realtors®. This is the lowest ever and shows how hard it is for new buyers right now.

When the housing market is in crisis, things start to change. Sellers may lower their prices because fewer people are buying. The government also usually steps in with help, like new programs or support for buyers. Recently, President Donald Trump said he wants to make homeownership more affordable. This actually gives a bit of hope to first-time buyers who are struggling. So what is the solution? It’s a declaration of a National housing emergency. 

If the government calls a national housing emergency, it could really help people trying to buy their first home. The government could make more land available to build homes, change rules so more affordable homes can be built, lower extra fees, make loans cheaper, and even help with down payments. All these things together could make it much easier for first-time buyers to finally get a home. 

First-Time Home Buyers and the Housing Emergency

Here are five simple ways this could help:

• More land for homes: If the government allows more land to be used for building, more houses can be made. This could really help in places where there are not enough homes, like the West and Southwest.
• Easier building rules: In many cities, local rules make it hard to build affordable homes. If these rules are changed, more cheaper homes can be built, giving buyers more choice.
• Lower extra costs: When you buy a home, there are a lot of extra fees at the end, called closing costs. If some of these fees are reduced or removed, buyers will not need as much money upfront.
• Lower loan rates: If mortgage rates go down, your monthly payments will be smaller. This makes it less stressful to pay back the loan.
• Help with down payment: Saving for a down payment takes years for many people. If the government gives some support here, it can make it possible for buyers to finally get their first home.

All these changes can give first-time home buyers a real chance. Homes that seemed too expensive before can become more affordable, and the extra support can make it easier to finally buy a home.

What First-Time Buyers Can Expect

A national housing emergency might sound like a big deal if you haven’t been keeping an eye on the market. But for people trying to buy their first home, it could not come soon enough.

This could bring different types of changes that actually people were waiting to come and make a purchase like building more homes or making rules easier. Big changes will not happen overnight, but even small steps like lowering fees, adding more homes to buy, or helping with down payments could make a real difference for first-time buyers.

Conclusion 

Some help for first-time home buyers might be on the way, but no one really knows when. There are a lot of things that need to get sorted before prices can actually come down, and some problems are bigger than what the government can fix quickly.

If you’re trying to buy your first home, it’s best to keep your expectations realistic for now. The housing market is complicated, and it won’t be easy for the Trump administration to fix everything quickly. That’s why working with the Jay Thomas Real Estate Team can really help. They make buying, selling, or renting in Texas simple and stress-free. You can save money with rebates, sell with low fees, and get help every step of the way.

Hello! I’m Jay Thomas, a REALTOR in Houston, Texas. Chances are you and I share a similar passion, Real Estate! I also have a passion for building businesses, working out, inspiring others, technology, sports, and people. Connect with me on Facebook and Instagram!

Hello! I'm Jay Thomas,