The 2026 housing market isn’t slowing down - it’s shifting.

In this episode of Market Shares, I break down what’s really driving today’s market - from mortgage rate volatility and new credit scoring changes to where investors are still finding opportunities.

I dig into the rollout of VantageScore and FICO 10-T, and why the idea of using rent to qualify may not help as many buyers as expected. Plus, what rising rates, global events, and oil prices mean for affordability - and your strategy moving forward.

Topics I Cover:

• FHFA announcement: VantageScore vs FICO 10-T rollout
• Will rent payments really help buyers qualify? (major flaws explained)
• Why most landlords don’t report rent - and why that matters
• How to strategically position borrowers in the new credit environment
• The “tale of two markets”: luxury vs first-time buyers
• Where real opportunities exist right now (investors, non-QM, reverse)
• Mortgage rate volatility: what changed in 2026
• Should you lock your rate right now?
• How global events (oil, war, inflation) are driving rates
• UAE leaving OPEC: what it means for oil, rates, and volatility
• Why the market outlook is still uncertain - and what to watch next

👉 Watch to see where the deals are now - and how to stay competitive in today’s market.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Where are the real opportunities in today’s housing market?

In this episode of Market Shares, I sit down with real estate expert Anton Stetner to break down exactly where smart investors are putting money in 2026 - and what’s changing across housing, multifamily, and commercial real estate.

From ADUs and house hacking to fix-and-flip shifts, middle housing challenges, and emerging opportunities like lot splitting, this episode is a deep dive into what’s actually working right now.

We also unpack the bigger macro picture - including supply shortages, interest rates, new legislation, and why today’s market may just be a temporary pause before the next wave. 

⏱️ Topics We Cover

• Where the best real estate investment opportunities are in 2026
• Why ADUs, DADUs & house hacking are exploding right now
• Middle housing challenges (and why deals aren’t penciling)
• The new lot splitting opportunity investors are watching
• Fix & flip in today’s market (and why only pros are winning)
• Housing supply shortage and “forced appreciation”
• Why builders and developers are slowing down
• The coming rental shortage (2026–2027 outlook)
• Multifamily investing challenges (4–20 unit “no man’s land”)
• Commercial real estate trends: winners vs. struggling sectors
• Impact of legislation, zoning, and affordability challenges
• Interest rates, economic uncertainty, and market timing
• Why this market could be a temporary “blip”
• How to position yourself for the next real estate cycle

👉 Watch now to see where the real opportunities are showing up in today’s market.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

What happens when two market experts sit down with no agenda? A real, unfiltered breakdown of what’s actually happening in today’s housing market.

In this episode of Market Shares, Anton Stetner and I connect the dots between interest rates, housing trends, tax policy, and migration patterns - and how it’s all impacting real estate right now.

From a transaction slowdown nationwide to major policy shifts like Washington’s new tax laws, the ripple effects are already showing up in affordability, inventory, and even where people are choosing to live. 

📌 Topics We Cover

• Interest rates & what’s driving today’s market
• National housing slowdown & “transaction recession”
• Seattle & Puget Sound market breakdown
• Inventory growth, flat pricing & buyer opportunities
• Washington’s “millionaires tax” explained
• Capital flight & migration trends across the U.S.
• Impact on tech workers, RSUs & small business owners
• Stacked taxes: REET, capital gains, estate & property taxes
• Affordability crisis & why millennials/Gen Z are leaving
• Surge in luxury listings & high-income relocation trends
• How policy impacts real estate demand & supply
• Opportunities for agents & loan officers targeting relocation

👉 Listen now for deeper insights and strategy into how this shift is creating both challenges and massive opportunities.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Mortgage rates don’t move in a straight line - and the reasons why are more complex than most headlines suggest.

In this episode of Market Shares, I break down why rates remain elevated even when parts of the market improve. From volatility in mortgage-backed securities (MBS) to inflation, oil prices, jobs data, and lender risk, I unpack what’s really driving today’s rate environment.

You’ll also learn why rates spike quickly but fall slowly - and why stability in the market matters more than short-term improvements.

🔍 Topics I Cover

• Why mortgage rates stay elevated despite market improvements
• The impact of volatility on rate movement
• Mortgage-backed securities (MBS) and pricing behavior
• Why rates rise faster than they fall
• Lender risk, hedging costs, and spread widening
• Oil prices, inflation, and jobs data influence
• Jobs data (JOLTS & BLS) and labor market signals
• Why stability drives rate relief - not headlines
• What could trigger lower rates ahead
• How economic shifts could impact housing demand and timing 

🎙 Watch now to understand what’s really driving mortgage rates - and how to navigate volatility, timing, and opportunity in today’s shifting housing market.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

First-time homebuyers aren’t just waiting longer… they’re thinking differently.

In this episode of Market Shares, I sit down with FirstHome IQ's Kristin Messerli to unpack the massive shift happening with Millennials and Gen Z - and what it means for loan officers and real estate professionals.

From financial literacy gaps and outdated assumptions to a shocking rise in AI-driven research, today’s buyers are more informed, more overwhelmed, and more skeptical than ever before. We dive into how education, authenticity, and advocacy are becoming the new competitive edge in today’s market - and why the old way of doing business just isn’t working anymore.

If you want to attract more clients, build a stronger brand, and stay relevant in a rapidly changing industry… this is a must-watch.

📌 Topics We Cover:

• Why first-time homebuyers are waiting longer (beyond affordability)
• The biggest myths about down payments & buying a home
• Why Millennials & Gen Z trust AI tools more than professionals
• How buyer behavior has changed (and what that means for you)
• The new way to build trust with modern homebuyers
• Education-based marketing & community-driven lead generation
• How to use social media and video to grow your brand
• Turning your “why” into a powerful business strategy
• The role of advocacy in shaping the future of housing
• How loan officers can influence policy (without being political)
• Simple ways to stand out in a crowded mortgage market

🎙 Watch now to learn how to adapt, build trust, and win with today’s next-gen homebuyer.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Mortgage rates just made a major move - and it’s not just about the Fed anymore.

In this episode of Market Shares, I break down what’s really driving today’s volatility - from a hawkish Federal Reserve to rising oil prices and escalating tensions involving Iran.

💡 The big shift: Mortgage rates are no longer reacting to just economic data - they’re reacting to global headlines in real time. From Jerome Powell downplaying weak jobs data, to the critical role of the Strait of Hormuz in global oil supply, this episode connects the dots between geopolitics, inflation, and the housing market.

📉 But here’s the opportunity: If oil stabilizes and tensions ease, rates could correct quickly - bringing refinance opportunities back into play.

⏱ Topics Covered

• Federal Reserve update & hawkish shift explained
• Jerome Powell on jobs, inflation & policy direction
• Why weak job data isn’t moving markets like before
• Oil prices as the #1 driver of mortgage rates 
• Iran conflict & global economic uncertainty
• Why the Strait of Hormuz is critical to markets
• How oil & 10-year Treasury yields are moving together
• Why mortgage rates are reacting to headlines (not just data)
• Inflation pressures from tariffs & energy prices
• Refinance strategy: timing the next rate drop
• Mortgage rate spreads & why rates aren’t even higher
• Spring housing market strength & buyer demand trends
• What needs to happen for rates to fall again

🎙 Understanding these shifts is critical to staying ahead of the market.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Two major housing executive orders just dropped - and they could shake up mortgages, home construction, and the real estate market like never before.

In this full episode of Market Shares, I break down all the latest housing-focused executive orders from President Trump. From increasing inventory to expanding credit, I explain what these policies really mean for lenders, homebuyers, and the overall real estate market.

I cover everything: regulatory changes speeding up home construction, innovative building methods like 3D-printed homes, the rapid growth of Non-QM loans, efforts to bring local banks back into mortgage lending, and the potential risks - including lessons from the 2008 financial crisis. I dig into the real implications for mortgage rates, housing inventory, and your next move in the market.

📌 Topics I Cover:

• March 13 Housing Executive Orders Explained
• Removing Regulatory Barriers & Permitting Delays
• Zoning Changes, ADUs & Middle Housing Nationwide
• Innovative Construction Methods: Factory-Built & 3D-Printed Homes
• Expanding Mortgage Credit Access: QM vs Non-QM Loans
• Growth of Non-QM Lending & Potential Market Shifts
• Fannie Mae & Freddie Mac: MBS Purchases & Liquidity
• Local & Regional Banks Returning to Mortgage Lending
• Competition & Impact on Independent Mortgage Banks
• Risks of Loosening Mortgage Guidelines & Lessons from 2008
• Interest Rate Trends, Oil Prices & Fed Policy Updates
• Spring Housing Market Outlook & Homebuyer Demand

🎙 This episode is a must-listen if you want to know how these policies could affect lending, buying, and building homes nationwide.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Think the housing shortage is over? Not so fast. Headlines are shouting about rising inventory, but the real story is much more complicated. In this episode of Market Shares, I break down surprising data from HousingWire and explain why so many markets are still facing shortages.

From the pandemic-era Great Migration to today’s “Great Stay”, we look at why some states are overflowing with inventory while others are still running out of homes. Affordability, slow hiring, and migration patterns are all keeping the market stuck - and understanding the local details can give mortgage pros, realtors, and investors a major edge.

Topics We Cover

• Why national headlines on housing inventory can be misleading
• Year-over-year vs. pre-COVID (2019) housing levels
• States with the biggest shortages and where inventory is growing
• Pandemic migration trends and “The Great Stay” phenomenon
• How affordability and employment are affecting housing movement
• Why real estate is hyper-local and why that matters
• Actionable insights for loan officers, realtors, and investors

🎙 Cut through the headlines and see the real picture of the U.S. housing market!
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Global events are shaking up mortgage rates and the spring housing market. Geopolitical tensions in the Middle East, disruptions in oil supply, and rising inflation could reverse the recent downward trend in rates - fast.

In this episode of Market Shares, I explain why the Strait of Hormuz matters, how oil prices drive inflation and rates, and why the next 72 hours are critical for markets. I also break down key moves in MBS coupon pricing and what that means for borrowers, lenders, and builders.

Topics We Cover:

• How Middle East conflicts impact mortgage rates and housing
• The critical role of the Strait of Hormuz in global oil supply
• Why oil prices can override typical “flight to safety” market behavior
• Best- and worst-case scenarios for interest rates after geopolitical events
• How short-term vs prolonged conflicts influence inflation and the Fed’s actions
• What happens in the MBS market, including shifts in coupons and rate sheet opportunities
• The macro connection: oil, inflation, and mortgage rate movement
• Historical lessons from Desert Storm and other black swan events
• Practical takeaways for loan officers, real estate pros, and housing market watchers

🎙 Understanding these global forces is essential to stay ahead!
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Are you really getting the best mortgage rate — or just the lowest number you see online?

In this full episode of Market Shares, I expose the truth about par rates, adjustable rate mortgages (ARMs), and online rate quotes. With so much information available today, it’s easy to assume you’re getting the best deal — but the reality is often more complicated.

I break down strategies for borrowers and loan officers alike - showing how to maximize savings, make smarter rate decisions, and present clients with the best options in 2026.

🔎 Topics We Cover in This Episode

• Why those “lowest rates online” aren’t always what they seem
• How par rates and discount points actually work (and why it matters)
• When a 5- or 7-year ARM might make more sense than a 30-year fixed
• Smart strategies loan officers can use to show clients better options
• How to calculate break-even on points and ARM pricing
• Understanding the rate stack and mortgage-backed securities (without the headache)
• Ways to help clients save money while building trust
• How to go from just quoting rates to becoming a true mortgage advisor 

🎙 Watch the full episode for actionable strategies to save thousands and navigate today’s mortgage market like a pro.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!