Like and subscribe to the What’s Your 1 More Podcast.

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!

Connect with us:
Youtube: / @whatsyour1more
Apple: https://podcasts.apple.com/us/podcast...
Facebook:
/whats your 1 more
Twitter:
/whats your 1 more
Instagram:
/whats your 1 more
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!

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
Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

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

Like and subscribe to the “What’s Your 1 More” Podcast!

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!

Like and subscribe to the “What’s Your 1 More” Podcast to stay informed on the real conversations shaping housing and finance today.

What happens when the debate over a 50-year mortgage ignores the actual rules that make it possible? This episode breaks down the mortgage term discussion through the facts homeowners need to know: why a 50-year loan can’t exist without modifying the Dodd-Frank Act, how the QM rule limits loan terms, what higher rates would do to affordability, and why extending a mortgage may save a little per month while costing hundreds of thousands more in interest. Quinton walks through real payment scenarios, the regulatory walls in the way, and the difference between meaningful policy shifts—like removing LLPA fees on cash-out refis—and headline ideas that won’t move the needle for buyers. “Facts over fear always wins when you’re talking about owning a home.”

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

Twitter: /whatsyour1more

Instagram: /whatsyour1more

Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

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!

Like and subscribe to “What’s Your 1 More” Podcast for real market conversations that matter to homeowners and professionals alike.

What happens when higher mortgage rates actually help the housing market? In this episode, Quinton Harris breaks down new data from the Mortgage Bankers Association’s annual conference and explains why 2026 could bring a major surge in home sales and refinancing. He reveals how the “lock-in effect” is finally shifting, what record equity levels mean for current homeowners, and why the next housing wave might be fueled not by falling rates—but by rising opportunity.

“The cure for this market wasn’t lower rates—it was higher ones.” — Quinton Harris

Chart Source: FHFA — All outstanding mortgages, through June 2025

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 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
Twitter: /whatsyour1more
Instagram: /whatsyour1more
Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

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 – Gov shutdown & data
00:35 – MBA conference recap
01:05 – AI rant
03:10 – Mortgage data
03:40 – Rate gap widens
04:50 – High-rate behavior
05:55 – Investor loans
07:45 – Job market shift
08:35 – Texana REMLO ad
09:35 – Fast payoffs
10:35 – Rising equity
11:40 – No housing crash
12:55 – Lock-in effect
13:55 – Swapping rates
14:55 – Higher-rate cure
15:55 – 2026 forecast
16:25 – Pent-up demand
17:15 – Outro

👍 Like and Subscribe to What’s Your 1 More Podcast with host Quinton Harris, where real conversations meet real market realities.

What can the 1980s teach us about today’s housing market? In Episode 260, Quinton breaks down why homeowners are staying put, how the “lock-in effect” has frozen movement, and what history says about the next big real estate run. He compares today’s market to the 1980s, discusses buyers waiting on rate cuts, and reveals why the next cycle could bring a surge in refinancing and home buying. Plus, he explains how new mortgage data lawsuits could reshape lender practices and what every homeowner should know before the next market shift.

“You don’t win by waiting on the curve—you win by getting ahead of it.” – Quinton Harris

Mentioned Link: https://www.scotsmanguide.com/news/nations-largest-mortgage-lenders-service-providers-hit-with-allegations-of-price-fixing/

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
Twitter: /whatsyour1more
Instagram: /whatsyour1more
Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

⏱️ Timestamps

0:00 – Intro & today’s focus
0:45 – 1980s housing vs. today
2:00 – Market freeze & lock-in effect
5:00 – Could another housing boom be coming?
7:00 – Texana Bank REMLO sponsor segment
8:10 – S&P 500 run-up vs. housing market
11:20 – Mortgage lawsuit (Optimal Blue)
15:10 – Data sharing debate & closing thoughts

👍 Like and subscribe to What’s Your 1 More Podcast to stay informed on the decisions shaping your money and your home.

What happens to mortgage rates when the Fed cuts interest rates, and why don’t homeowners always see the drop they expect? Quinton Harris and Dan Habib break down the recent Fed decision, explain why mortgage rates haven’t fallen the way buyers hoped, and share what the upcoming jobs report means for the future of housing and refinancing opportunities. “The countdown is on to October 3rd and 4th—don’t wait if your rate window is here.” – Quinton Harris

Special thanks to our guest/co-host Dan Habib at 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
Twitter: /whatsyour1more
Instagram: /whatsyour1more
Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

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!

Time Stamps:

• 00:00 – Intro & Fed rate cut headline

• 00:02:00 – Why mortgage rates didn’t drop after the cut

• 00:05:50 – Market history: cuts, job data, and bond market reaction

• 00:10:25 – Why October 4th jobs report is critical

• 00:14:40 – Fed’s next moves: jobs vs. inflation (dot plot & SEP)

• 00:20:00 – Restrictive vs. neutral rates explained

• 00:25:00 – Housing demand, refis, and short opportunity windows

• 00:36:40 – ARMs as a smart option in today’s market

• 00:39:30 – Closing advice: don’t wait, lock in opportunities

What the Fed’s latest rate cut means for mortgages, refinancing, and your next move as a homeowner or buyer.

In this episode, Quinton breaks down how the quarter-point cut impacts mortgage rates, why government loans are now dipping below 6%, and why this moment may be the best opportunity in over a year to refinance or reenter the market. He also calls out the disconnect between Fed leadership and the real challenges families face, while pointing to the chance for homeowners to use today’s rates to create affordability and leverage equity.

“Don’t wait for perfect conditions—take advantage of the opportunities that are in front of you.”
— 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/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


Twitter: /whatsyour1more


Instagram: /whatsyour1more


Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

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