Is the housing market entering a new crisis, or are the headlines exaggerating the data? In this February 2026 episode of Let’s Talk Housing, Brennen Thomas and Steven Thomas of Reports On Housing break down rising demand, falling mortgage rates near 6 percent, underwater mortgages, and new construction incentives. They explain why certain markets like Texas and Florida are softer while much of the country remains stable with strong equity. Get the proper context behind negative equity, builder buy-downs, and what to expect heading into the spring housing market.Got questions? Drop them in the comments or email us at [email protected] for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:31-Winter Market Thaw Explained03:19-Year Over Year Demand Rising04:30-Hottest Spring Market Ahead05:00-Mortgage Rates Drop to 6%06:44-Inflation and CPI Update08:32-Could Rates Fall Into the Fives09:06-January Sales Tank Headline10:47-Expected Market Time Explained11:35-Housing Market Flywheel Effect13:23-One Million Underwater Homeowners13:52-Negative Equity Explained16:55-Texas and Florida Weakness17:55-2026 Labor Market Outlook20:28-Federal Reserve Trend Analysis21:47-Dr Horton 3.99 Percent Buydown22:34-New Construction Inventory Surge24:15-Builder Strategy Explained25:35-Conclusion

Brennen Thomas and Steven Thomas break down the 2026 U.S. housing market trends and provide insights for buyers and investors. From winter market activity to mortgage rates, inventory changes, and the Federal Reserve’s impact, this video explains the real story behind current headlines. Learn why purchasing a home today can still be a strong long-term investment and how market timing affects your buying power.

Stay informed with expert analysis you won’t see anywhere else.

Time Stamps:

00:00-Introduction

01:01-Personal Updates

01:25-Winter Market Trends

03:00-Best Time To List Homes

04:28-Interest Rates and Buying Power

06:18-Home Inventory Trends

07:07-Federal Reserve Insights

10:56-Kevin Warsh and Fed Leadership

12:09-Government Shutdown and Data Delays

13:53-Housing Crash Narrative Explained

15:42-Buying Vs Renting

18:08-Historical Home Values

20:51-San Diego Market Context

22:01-Hunkering Down Trend Update

24:47-Conclusion

In this episode of Let’s Talk Housing, Brennen Thomas and Steven Thomas break down the early winter housing market shift and why demand is about to change. They explain what’s happening with mortgage rates, inflation, and job data, and how affordability is impacting buyers. The conversation also tackles starter homes and the truth behind institutional investors.

Data-driven insights from Reports On Housing help cut through the noise.

Got questions? Drop them in the comments or email us at [email protected] for a chance to have them featured in a future episode!

Time Stamps:

00:00-Intro

01:25-Supply & Demand Overview

03:05-Market Slowdown And Winter Kickoff

06:00-Winter Market Trends And Timing

07:07-Jobs Data, Unemployment, & CPI

09:27-Inflation & Fed perspective

11:25-Mortgage Rate Trends & Spreads

16:25-Interest Rate Analysis & Outlook

18:41-Potential For Mortgage Rates In The Fives

20:29-Starter Homes & Affordability

24:56-Institutional Investors & Housing Policy

30:27-Conclusion

2026 Housing Market Outlook Buyer Market Mortgage Rates Steven Thomas Reports On Housing

Is the housing market finally shifting in 2026? In this episode of Let’s Talk Housing, Brennen Thomas and Steven Thomas of Reports On Housing break down inventory growth, buyer demand, mortgage rates, and what 2025 taught us about market normalization.

Using national data and real-world insights, they explain why the market feels sluggish now and what could change if rates move closer to 6%. This is a must-watch for buyers, sellers, and real estate professionals preparing for 2026.

Got questions? Drop them in the comments or email us at [email protected] for a chance to have them featured in a future episode!

Time Stamps:

0:00-Intro

1:27-Housing Supply and Demand Overview

3:28-When the Housing Market Heats Up

4:32-Recent Economic Data Overview

5:37-Jobs Report and Labor Market Outlook

8:04-How Jobs Data Impacts the Fed

11:28-2025 Housing Market Normalization

12:53-Locked-In Mortgage Myth Explained

15:38-Inventory Growth vs Buyer Demand

18:02-Is 2026 a Buyer’s Market

19:14-Why 6% Mortgage Rates Matter

22:46-Supply and Demand Pendulum Explained

24:44-Pending Home Sales Surge Explained

26:27-Final Thoughts and Subscribe

Housing Headlines vs Reality: No Crash in 2026 Real Estate Forecast Explained

Housing headlines are everywhere, but most miss the real story. In this episode of Let's Talk Housing, Steven Thomas of Reports On Housing breaks down why click-driven crash narratives do not align with the data and what is actually happening with supply, demand, mortgage rates, and home prices.

We explain Expected Market Time, why the housing market is slowing, not crashing, and what needs to happen for a true crash.

This episode also covers the 2026 real estate forecast, mortgage rates, and which markets may improve next year.

Got questions? Drop them in the comments or email us at [email protected] for a chance to have them featured in a future episode!

Time Stamps:

00:00-Welcome to Let's Talk Housing

00:14-Housing Headlines vs Reality Explained

01:49-Expected Market Time vs Days on Market

04:10-December Supply and Demand Slowdown

05:35-Economic Data, Mortgage Rates, and the Fed

09:04-Why Housing Crash Headlines Are Misleading

14:43-Fear of a 2026 Housing Crash Explained

17:07-What Causes a Real Housing Market Crash

21:40-2026 US Housing Market Forecast

23:56-Mortgage Bankers Association Price Outlook

28:45-Google Testing Home Listing Search

30:36-Final Thoughts and Where to Learn More

Dive into the latest housing market trends and economic updates in this episode! We’ll break down housing crash hysteria, delistings rising, concerns for 2026, how the struggling states will perform next year, and much more.Got questions? Drop them in the comments or email us at [email protected] for a chance to have them featured in a future episode!Time Stamps:

00:00-Introduction

03:23-Real Estate Update

07:23-Economic & Federal Reserve Update

14:47-Housing Crash Calls

23:55-Delistings Are Rising At The "Fastest Pace"

30:57-Concerns For 2026 & How Struggling Areas Will Perform

36:00-Conclusion

Dive into the latest housing market trends and economic updates in this episode! We’ll break down the government reopening, mortgage rates, NAR forecast, economic concerns, and much more.Got questions? Drop them in the comments or email us at [email protected] for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction

03:56-Real Estate Update

06:39-Latest Economic Update (Post-Government Reopening)

11:48-How Low Will Mortgage Rates Go? Are We Stuck Above 5% Permanently?

17:01-NAR Forecasting Double-Digit Growth In 2026

19:12-Portable Mortgage Talks Have Returned…

24:31-Conclusion

Dive into the latest housing market trends and economic updates in this episode! We’ll break down concerns over investors, homebuying now vs. later, AI in real estate, the future of housing, 50-year mortgages, and much more.Got questions? Drop them in the comments or email us at [email protected] for a chance to have them featured in a future episode!Time Stamps:

00:00-Introduction

03:49-Real Estate Update, Economics Update, and Government Shutdown Update

09:49-Are Investors A Problem?

14:10-Purchasing Now Or In The Spring

18:51-First-time Home Buyers Metrics Worsening

20:28-AI In Real Estate

22:16-50-Year Mortgage…

25:03-Conclusion

Dive into the latest housing market trends and economic updates in this episode! We’ll break down the Government shutdown, some signs the market is healing, Guess That Market, and much more.Got questions? Drop them in the comments or email us at [email protected] for a chance to have them featured in a future episode!Time Stamps:

00:00-Introduction

02:12-Government Shutdown Update

03:11-What Does The Fed Do Without All The Data?

06:20-Real Estate Could Heal From Lower Rates

09:56-How The Real Estate Industry Is Healing

11:52-If Rates Continue To Fall, What Could Happen

13:52-Sellers Outnumbering Buyers 500,000…

16:57-What The 3 Signs Home Prices Can Plunge Are

19:03-Guess That Market

20:43-Guess That Market Answer & Explanation

26:00-Recession Calls Returned

30:03-Conclusion

Dive into the latest housing market trends and economic updates in this episode! We’ll break down purchasing with friends, market dynamics, private listings, investors, and much more.Got questions? Drop them in the comments or email us at [email protected] for a chance to have them featured in a future episode!Time Stamps:

00:00-Introduction

02:24-Real Estate Market Update

05:48-Is The Government Shutdown Having Any Impacts?

07:15-Economic Update (If Anything…)

09:11-Purchasing With Friends Or Relatives

10:46-Are We Back In A Balanced Market?

13:52-Will Private Listings Rise With The Compass Acquisition

17:09-Can We Sustain With Our Mortgage Rates

19:37-Credit Scores Dropping Fast

22:51-Context Is Key

25:05-Investors Purchasing 1/3 Of All Properties In Q2 2025

27:46-Conclusion