Melody Wright explains why lower mortgage rates won’t save housing, why inventory is piling up, and why foreclosures could surge into 2026. If you’re buying, waiting, or investing.#housingmarket #mortgage #federalreserve -------------------👨‍💼 Guest: Melody Wright, Chief Market Strategist🏢 Company: M3 Melody Substack🌎 https://m3melody.substack.com/𝕏 @m3_melody📺 @m3_melody 📅 Recording date: January 13rd, 2026-------------------📆 Save the Date 📆DEUTSCHE GOLDMESSE May 15 & 16, 2026 in Frankfurt, Germanywww.deutschegoldmesse.com FREE Registration for Investors! ---------------------📰 Up-to-Date Commodity Prices & Commentary 📰👉 Clear Commodity Network 👈🌎 https://clearcommodity.net/ 🌎►► Follow Us! ◄◄Twitter: http://twitter.com/soarfinancialWebsite: http://www.soarfinancial.com/00:00 – Housing inflation & CPI reality01:14 – How cold the housing market really is02:46 – Price cuts, weak demand & excess supply04:00 – Crisis or slowdown?05:15 – Trump’s $200B MBS plan06:57 – Why lower rates won’t save housing08:45 – Who really controls mortgage rates10:40 – Credit tightening & debt stress13:27 – Delinquencies, rejections & foreclosures16:52 – Why 2026 matters18:16 – Investors, institutions & policy risk20:09 – Shadow inventory explained22:53 – Buying a home in 202624:37 – Best & worst housing markets27:03 – Final thoughts**Disclaimer:**Some of the links presented might be affiliate links. We might receive a commission if a purchase is made using those links! Unless specifically disclosed, all information available on Soar Financial and its affiliates or partners should be considered as non-commercial in nature. None of the content produced by Soar Financial should be considered an endorsement, offer or recommendation to buy or sell securities. Soar Financial is not registered with any financial or securities regulatory authority in Canada, the US, Europe, or the UK, and does not provide, nor claim to provide, investment advice or recommendations to any consumer of the content that Soar Financial produces and publicizes. Always do your own due diligence and/or consult a qualified legal, tax, or investment professional if personal advice is deemed necessary.Soar Financial and its related companies (including its directors, employees, and representatives) or a connected person may hold equity positions in securities detailed in communications. When this occurs a disclosure will be made. Disclosures on social media will be made using the hashtag #coi (short for conflict of interest).Soar Financial, its affiliates, and their respective directors, officers, employees, or agents expressly disclaim any liability for losses or damages, whether direct, indirect, special, or consequential, or other consequences, howsoever caused, arising out of any use or reproduction of this site or any decision made or action taken in reliance upon the produced content of Soar Financial, whether authorized or not. By accessing Soar Financial’s content, each consumer of Soar Financial content releases Soar Financial, its affiliates, and their respective officers, directors, agents, and employees from all claims and proceedings for such losses, damages, or consequences.#HousingMarket #RealEstateCrash #MortgageRates #HousingCrisis #Foreclosures #USHousing #RealEstateInvesting #HomePrices #CreditCrunch #EconomicReset #Inflation #CPI #FedPolicy #TrumpEconomy #DistressedAssets #HousingBubble #MarketReset #SoarFinancially #MelodyWright #M3Melody