Welcome to The Shivers Report.In our very first episode, Nick and Keegan Shivers break down the biggest housing headlines making waves—and ask the question everyone is debating: Can Donald Trump actually move the needle on housing affordability?From talk of 50-year mortgages and portable loans to banning institutional investors and forcing Fannie Mae and Freddie Mac to buy mortgage-backed securities, we unpack what’s real, what’s political noise, and what could actually impact the housing market.In this episode, we cover:Why 30-year mortgages are already an anomalyThe pros and cons of 50-year and portable mortgagesWhether banning Wall Street investors would help or hurt housingHow government intervention affects interest rates—but not supplyWhy lower rates without more homes could backfireNick and Keegan don’t always agree—but they do agree on this: affordability isn’t black and white, and quick fixes can create long-term problems.Bottom line: lowering rates may help in the short term, but without solving supply, housing affordability remains a challenge.

In this episode of The Shivers Report, Nick breaks down the most important real estate metric you should be watching: inventory levels. National inventory is sitting around five months, but the Pacific Northwest continues to move differently—holding closer to four. What does that mean for buyers, sellers, and the year ahead?
Nick dives into real home values, inflation adjustments, interest rate predictions for 2026, and why the PNW market refuses to behave like the rest of the country.

In this episode of The Shivers Report, Nick and Keegan break down the good, the bad, and the ugly of the 2025 real estate market. From double-digit increases in mortgage applications to flat home appreciation, it was a year full of contradictions—but one thing is clear: 2025 was the year of the true professional.They unpack why part-timers struggled, why first-time buyers are now hitting age 40, and what lower interest rates could mean as we head into the next cycle.