Are you sitting on the sidelines waiting for mortgage rates to drop? You might be falling for the real estate market's ultimate Trojan horse.

In this episode of The Mortgage 101 Podcast, Manly and Anthony break down a massive structural shift that could quietly destroy your shot at affordable homeownership. We explore why current mortgage rates are sitting above 6.25% even though the data says they should be lower. Lenders are building in a "fear buffer" of 40 to 70 basis points due to market volatility and policy uncertainty.

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