Current housing data suggests a move toward 5% could release pent-up demand. The setup: •162M+ Americans employed

•Five generations of buyers
•Inventory remains constrained
•Transaction volume has been rate-suppressed

If financing costs decline meaningfully, demand may re-engage.

How would your strategy change if that occurs?

Kevin Warsh has officially been nominated to replace Jerome Powell as Federal Reserve Chairman and the big question now is what this means for interest rates, mortgage rates, housing, and the broader economy.

In this episode, we cut through the political noise and focus on what actually matters for borrowers and investors.

I break down who Kevin Warsh is, his background at the Federal Reserve, and whether he is likely to lean more hawkish or dovish. More importantly, we discuss why the bond market reaction matters more than headlines and how the 10 year Treasury ultimately drives mortgage rates.

We also cover:

How jobs, inflation, and consumer spending will determine future rate cuts
Why small businesses are struggling despite strong economic data
The difference between Fed rate cuts and mortgage rate movements
Other policy levers that could bring mortgage rates down beyond the Fed
Why affordability not politics is the real issue heading into 2026

If you are a homebuyer, investor, homeowner, or self employed borrower, understanding how this leadership transition could impact rates is critical. Mortgage markets respond to data, confidence, and forward guidance not just announcements.

As we move deeper into 2026, the real drivers will be the labor market, consumer strength, inflation trends, and bond market belief. That is where the focus should be.

On the surface, the economy looks stable. The stock market is holding up, inflation appears under control, and official messaging says things are fine.

But when you talk directly with small business owners, especially in restaurants and hospitality, a very different reality emerges.

In this episode, I share real conversations with restaurant owners and operators and explain why this sector is already experiencing recession-like conditions, even if the headlines are not acknowledging it yet.

We discuss

Why most restaurants are barely breaking even or losing money
How rising labor, insurance, utilities, rent, and food costs destroyed margins
Why consumer spending is slowing even as prices remain high
How post-pandemic demand turned into a spending hangover
Why businesses can no longer raise prices without losing customers
What this reveals about small businesses beyond restaurants
Why this matters for housing, real estate, interest rates, and the broader economy
Why staying in neutral is risky and how rate cuts could change the outlook

Restaurant margins were always thin, and the combination of higher costs and softer demand has pushed many small businesses to the edge. This is not just a restaurant issue. It is a small business issue with broader economic consequences.

If you want to understand what is happening beneath the surface of the economy and why official narratives often miss early warning signs, this is an important conversation to hear.

2026 is starting with a bang.

Trump just announced a series of major housing, mortgage, and economic proposals, and some of them could have real implications for interest rates, affordability, and the housing market.

In this episode, I break down what was announced, what actually matters, and which ideas could realistically move mortgage rates versus what may remain political talk.

In this episode, we cover
A proposal to buy 200 billion dollars in mortgage backed securities and how that could push rates lower
A potential 10 percent cap on credit card interest rates and what it says about consumer stress
Efforts to limit large institutional investors from buying single family homes
New ADU financing ideas allowing up to four units and how this could impact housing supply
A new Federal Reserve Chair and why leadership changes matter for rate policy
Discussion around 50 year mortgages and transferable loans and whether they are realistic

Some of these proposals could be game changing. Others may face significant hurdles. Understanding the difference is critical for homebuyers, homeowners, investors, and industry professionals navigating the 2026 housing market.

If you want clarity on how these announcements could affect mortgage rates, housing affordability, and real estate decisions, this episode breaks it down in plain English.

Why Motivation Isn’t Enough in 2026

It’s a new year, and like most people, you probably started 2026 with big goals. Get in shape. Wake up earlier. Build better habits. Focus on your life, your health, and your future.

In this episode, I share why waking up early completely changed my life, how I built the discipline to stay consistent, and why it has almost nothing to do with mornings and everything to do with the night before.

This is not a hype or motivation episode. It is a real conversation about habits, discipline, mindset, and why most people fall off after a few weeks while others stay consistent for years.

In this episode, I talk about
Why most New Year motivation fades fast
Why waking up early is about structure, not willpower
How the night before determines your morning
Simple habits that make waking up early easier
Why discipline beats motivation every time
How to reset quickly after travel or setbacks
Learning to say no to protect your goals
Why consistency matters more than intensity

I also share how getting up early gave me something most people never get, uninterrupted time to think, plan, work, and take care of my mind and body before the rest of the world wakes up.

This routine may not be for everyone. You do not need to wake up at 3AM. But waking up earlier, creating alone time, and building discipline can change how you show up in every area of your life.

If you are serious about making 2026 different, this episode will help you rethink habits, discipline, and what it really takes to stay consistent.

In this 2026 outlook, I break down what I call the New Fed Era and what a new Federal Reserve Chair could mean for interest rates, housing, and the broader economy.

Many people are wondering whether 2026 brings a recession or whether the so called soft landing is actually happening. In this episode, we examine inflation trends, consumer confidence, labor data, and why housing prices may remain flat or dip slightly in certain markets rather than crash.

If you are a homebuyer, homeowner, real estate investor, or industry professional, this episode covers the critical economic and housing trends that will shape decision making in 2026.

In this episode, we discuss
How a new Fed Chair could change interest rate strategy
Why lower rates may not immediately trigger a housing boom
What recession probability data actually tells us
How consumer confidence and spending affect the economy
National versus local housing price expectations
What to expect for jobs, inflation, and affordability in 2026

The housing market in 2026 may look very different than most people expect. Understanding how the Federal Reserve communicates, how markets price expectations, and how policy shifts flow through real estate is essential for making informed decisions.

If you want clarity on where rates, housing, and the economy may be headed next, this episode breaks it down in plain English.

California ADU financing just changed in a big way, and if you are a homeowner or real estate investor, it is critical to understand how this actually works before making assumptions.

Fannie Mae has updated its guidelines to allow up to three ADUs on a single family property in California. However, this does not automatically mean higher loan limits or easy low down payment financing.

In this episode, I break down how these new ADU rules really work and what they mean in practice for homeowners, investors, and anyone planning an ADU project.

In this episode, we cover
How Fannie Mae is treating California ADUs
Why properties with multiple ADUs are still considered single family for loan limit purposes
What this means for conventional, FHA, and VA loans
The biggest issue most people will face with ADU properties, appraisals
Why working with the right lender matters more than ever

This is major news for California housing, ADU development, and long term affordability, but the real world details matter. Understanding the structure, zoning, loan limits, and appraisal risks can save you from costly mistakes.

If you are planning an ADU in California, buying a property with ADUs, or refinancing one, this episode will help you understand how to approach it the right way.

Want help structuring an ADU deal correctly?
Reach out to my team. We work with ADU financing every day across California.

The Fed just cut rates by 25 basis points — so why didn’t mortgage rates drop?

In this video, I break down what’s REALLY happening with the Fed and what it means for mortgage rates in 2026.

The Federal Reserve just announced a 25 basis point rate cut, but mortgage rates didn’t fall the way most people expected.

Why?

In this video, I break down:

* Why the Fed rate cut was already “baked in”

* Why mortgage rates don’t move the way people think

* What the Fed is REALLY watching right now (jobs, inflation, consumer pain)

* Why 2026 is the year that actually matters

* How rates could come down WITHOUT the Fed cutting

* What homeowners, buyers, and investors should prepare for next

If you’re wondering whether mortgage rates will drop, whether now is the right time to buy or refinance, or what the Fed’s next move could be, this video will give you clarity.

👇 QUESTIONS OR WANT HELP WITH A LOAN?

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