Phil explains the timeless principle he’s taught since 2008 — a rule that has protected countless homeowners through every market cycle. Plus we dive into where interest rates are heading, including:
• Why predicting rates is nearly impossible
• What our live poll revealed about investor expectations
• How a potential Fed Chair change could influence rates
• How policy decisions and mortgage‑bond purchases may impact affordability
• Why creative real estate investors thrive regardless of rate movement
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00:00 Should You Buy a Home Right Now? Lessons From 2008 to Today
00:57 Live Poll Results: Rate Expectations for 2026
2:06 Brian’s Take on Rates: What a Quarter‑Point Drop Could Unlock
3:23 Mortgage‑Bond Purchase Proposal/Fed Chair Change & Policy Pressure
3:50 What Actually Drives Mortgage Rates