The analysis focuses on the housing sector and refinance opportunities due to potential government actions and mid-term election cycles. The analyst mentioned 3 stocks that are good in this sector and provides a target price for XHB, FICO and SOFI. Jerome Powell's term ending in May 2026 and the 2026 midterm elections create a conducive environment for policy changes favoring lower interest rates. President Trump might declare a national housing emergency. Three stocks for indirect exposure are identified with Homebuilders ETF (XHB), Fair Isaac Corp (FICO), and SOFI, The analysis assumes the FED can lower the 10 year and in turn lower the 30 year mortgage.