What's Your 1 More?

In Episode 268 of What’s Your 1 More?, Quinton Harris breaks down why housing inventory remains tight despite buyers having more negotiating power, why sellers are pulling homes off the market, and how the lock-in effect continues to reshape the real estate market. He also explores a bold prediction that the average U.S. home price could reach $1 million by 2050, discusses why more real estate professionals are leaving the industry, and shares the biggest mistake homebuyers make when entering today’s market.

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0:20 — Why inventory remains tight

3:15 — The lock-in effect and rental conversions

6:25 — Could the average home hit $1M by 2050?

7:45 — Teaching financial literacy and homeownership

10:15 — Why agents and loan officers are leaving the industry

11:05 — The biggest mistake homebuyers make

Music and Production by Charlie Walker

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Is the housing market finally returning to normal? In this episode #267, Quinton Harris explains how the real estate cycle moved from expansion to chaos to consolidation and why today’s market may be shifting back toward stability. He breaks down what changed after COVID, what recent mergers signal, and what it means for homeowners dealing with inventory, pricing, and timing in today’s market. “Normal is more clear and more in the future than I’ve seen in the last three years.”

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!

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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 Intro + 2019 “normal” discussion
00:00:20 Industry lifecycle explained
00:03:20 Real estate cycle + current market phase
00:05:10 Expansion → chaos (2020–2022)
00:06:20 Consolidation + major mergers
00:08:15 Sponsor: Texana Bank REMLO
00:09:30 Why consolidation happens (mortgage + real estate)
00:12:35 Opportunities in consolidation
00:13:25 New “normal” post-COVID
00:14:10 Market outlook + closing

Like and subscribe to the What’s Your 1 More Podcast for more real estate and market conversations.

What’s bringing first-time home buyers back into the market—and why does it matter right now? Quinton Harris breaks down how mid-6% rates are driving demand, how small rate shifts impact affordability, and why inventory remains tight as new buyers enter without replacing supply. If you’re planning to buy or watching the market, this episode connects the numbers to real decisions.

“Timing matters—but waiting for perfect usually costs more than moving with purpose.” — Quinton Harris

Special thanks to Housing Wire: https://www.housingwire.com/

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!

00:00 Are first-time home buyers finally back?
01:25 Why younger buyers suddenly want homes
03:35 The demand wave nobody’s talking about
05:35 Why today’s rates feel worse than they are
06:40 The “Compromise Zone” changing everything
09:30 How a small rate drop unlocks $30K more house
10:20 The real reason inventory isn’t growing
12:30 Where mortgage rates are actually heading
13:20 Why younger buyers are jumping in earlier

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!

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