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Will banning institutional investors from buying single-family homes actually make housing more affordable? In this 265th episode, host Quinton Harris explains why institutional investors are not driving prices down, why housing demand remains high, why supply is still the real issue, and how interest rates, labor data, and mortgage payments will shape affordability for homeowners and buyers in 2026. “I’ve never met a homeowner who said they were glad they waited.”

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.
👉 Check them out at https://mortgage.texanabank.com
— and see what makes them different.
👉 Check out REMLO out at https://mortgage.texanabank.com/remlo...
for more information and to sign up now!

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00:00:00 – Welcome and 2026 kickoff
00:00:20 – Trump calls to ban institutional investors
00:02:30 – Market reaction and feasibility issues
00:04:55 – Investor data vs housing crash claims
00:06:15 – Demand and supply imbalance
00:07:45 – REMLO
00:08:45 – Labor market weakness and the Fed
00:10:05 – Rates, payments, and affordability
00:11:55 – Why waiting to buy rarely works
00:13:00 – Final outlook and closing

The Fed cut rates—but mortgage rates didn’t drop. Quinton Harris and Dan Habib of MBS Highway explain why mortgage pricing works differently, what’s already priced into the market, and what buyers, sellers, and homeowners should watch next.

Special thanks to Dan Habib with MBS Highway: https://www.highway.ai/

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.
👉 Check them out at https://mortgage.texanabank.com — and see what makes them different.
👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:
Youtube: https://www.youtube.com/@whatsyour1more
Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355
Facebook:/ whatsyour1more
Instagram:/ whatsyour1more
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If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community!

00:00 Fed meeting recap and episode overview
01:30 Why a Fed rate cut doesn’t equal lower mortgage rates
03:55 Labor market weakness and job revisions explained
05:40 Inflation vs prices and why confusion matters
06:30 Fed treasury purchases and liquidity impact
08:45 Neutral rate, restrictive policy, and future cuts
11:05 Dot plot breakdown and divided Fed outlook
13:00 Fed leadership changes and 2026 implications
17:35 What Fed policy means for buyers and sellers
19:45 Short-term vs long-term rates explained
22:00 Why rate cuts can push mortgage rates higher
24:20 How markets price rate cuts in advance
26:00 2024 rate cut case study and mortgage reaction
28:40 Mortgage rate outlook and timing risks
30:55 Debt issuance, deregulation, and rate pressure
33:15 Mortgage spreads and why they matter
35:05 Will mortgage rates fall under 6%?
36:20 Final takeaways and rate expectations

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What does a headline claiming 53% of homes lost value actually mean for you going into 2026? This episode breaks down Zillow’s estimate claims, the new FHFA loan limits, how Fannie Mae and Freddie Mac data show a 3.2% rise in home values, why delisting during the holidays creates opportunity, and how buyers can position themselves before lower rates pull more competition into the market. “Start analyzing the facts for yourself and get ahead of the curve.” — Quinton Harris

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.
👉 Check them out at https://mortgage.texanabank.com
— and see what makes them different.
👉 Check out REMLO out at https://mortgage.texanabank.com/remlo...
for more information and to sign up now!

Connect with us:
YouTube: /@whatsyour1more
Apple: https://podcasts.apple.com/us/podcast...
Facebook: /whatsyour1more
Twitter: /whatsyour1more
Instagram: /whatsyour1more
Spotify: https://open.spotify.com/show/37zPGiz...

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community!