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Let's Talk Housing: Daily Summaries Delivered
by ReportsOnHousing
Let’s Talk Housing is your go-to Q&A-style podcast for all things real estate and economics. Hosted by Brennen Thomas, with insights from chief economist Steven Thomas, we break down the market in plain language for realtors, investors, buyers, sellers, and anyone curious about housing.
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- 1 weeks ago22 min
Let's Talk Housing Episode 86: A Split Housing Market
The housing market is becoming increasingly divided as higher mortgage rates weaken demand while home prices remain relatively resilient. Steven Thomas and Brennen Thomas examine the widening buyer-seller gap, September home sales, remaining seller’s markets, and why today’s slowdown is very different from the Great Recession. The episode also explains why buyers may have more negotiating power while still facing worse affordability.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction01:18-Housing Market Slows as Demand Falls05:26-Inflation and Mortgage Rate Pressure07:29-September Home Sales Explained09:02-Why Home Prices Aren’t Plunging13:13-Where Seller’s Markets Still Exist17:44-The Worst Buyer’s Market in History?21:46-Final Thoughts
- 3 weeks ago24 min
Let's Talk Housing Episode 85: Housing’s Biggest Risks for 2027
The housing market is slowing rapidly as elevated mortgage rates pressure buyer demand and keep inventory from falling normally. Steven Thomas and Brennen Thomas examine rising foreclosure filings, record homeowner equity, increasing price reductions, and the possibility of even higher mortgage rates. The episode also breaks down the biggest economic and housing risks heading into 2027.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction01:21-Housing Market Slowdown Accelerates06:53-Jobs, Inflation, and Mortgage Rates09:31-Are Foreclosures Becoming a Problem?12:54-Homeowners Are Sitting on Trillions in Equity15:11-Why Price Reductions Are Rising17:59-Could Mortgage Rates Reach 8% or 9%?20:35-Housing’s Biggest Risks for 202723:28-Final Thoughts
- Sep 30, 202621 min
Let's Talk Housing Episode 84: 7% Rates Are Back
Mortgage rates have surged toward 7.5%, putting renewed pressure on housing affordability and buyer demand. Steven Thomas and Brennen Thomas examine rising price cuts, additional Federal Reserve rate hikes, and how elevated rates could affect the housing market through the end of 2026. The episode also explains why today’s adjustable-rate mortgages are fundamentally different from the risky loan products that helped fuel the Great Recession.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction01:42-Introducing NerdLabHQ03:31-Housing Market and Federal Reserve Update06:34-How High Can Mortgage Rates Go?10:56-Why Price Cuts Are Rising14:28-Can Housing Survive More Fed Rate Hikes?16:55-Are Adjustable Rate Mortgages Really Risky?20:13-Final Thoughts
- Sep 16, 202626 min
Let's Talk Housing Episode 83: How Much More Can Housing Take?
Mortgage rates have climbed above 7%, putting renewed pressure on buyers, sellers, and the broader housing market. Steven Thomas and Brennen Thomas examine the rent-versus-buy debate, housing crash predictions, and whether today’s market is becoming increasingly K-shaped. The episode also breaks down why condos and townhomes are struggling more than detached homes and what higher rates could mean heading into 2027.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:16-Housing Supply, Demand, and the Autumn Market04:19-Why Mortgage Rates Hit 7%07:40-What 7% Rates Mean for Housing10:15-Renting vs. Buying and the Break-Even Point14:58-Is the Next Housing Crash Closing In?20:22-Is Housing Becoming K-Shaped?22:02-Why the Condo Market Is Struggling25:53-Final Thoughts
- Sep 2, 202620 min
Let's Talk Housing Episode 82: An Unaffordable Buyer's Market
The housing market is shifting as affordability remains strained and buyers gain more negotiating power. Steven Thomas and Brennen Thomas examine mortgage rates, home prices, Gen Z’s hopes for a housing crash, and whether America is becoming a nation of renters. The episode also looks at what buyers and sellers can expect through the remainder of 2026.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction01:54-Housing Supply, Demand, and the Fall Market04:44-Inflation, Mortgage Rates, and the Federal Reserve08:06-Is This Really the Worst Time to Sell?10:24-Why Buyers Have More Negotiating Power11:56-Why Gen Z Wants a Housing Crash15:19-Is America Becoming a Nation of Renters?18:02-What to Expect for the Rest of 202619:41-Final Thoughts
- Aug 19, 202623 min
Let's Talk Housing Episode 81: Why Affordability Still Controls Everything
This episode of Let’s Talk Housing features Steven Thomas of Reports On Housing explaining why affordability remains the single biggest force shaping today’s housing market. The discussion explores how mortgage rates, home prices, and household incomes work together to determine affordability, why the market remains frozen, and what could finally improve conditions for buyers. It also addresses common misconceptions about affordability and why meaningful change takes time.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:0:00-Introduction01:38-What Happens in the Fall Housing Market06:14-Why Inflation and Jobs Matter11:30-What Affordability Really Means15:00-Affordability vs Mentality17:37-Can Affordability Improve Over Time?19:36-The Biggest Affordability Misconception22:56-Conclusion
- Aug 5, 202621 min
Let's Talk Housing Episode 80: The Housing Market Is Cooling, Not Crashing
This episode of Let’s Talk Housing explores why the housing market is cooling as summer progresses, but remains far from a crash. Steven Thomas of Reports On Housing breaks down the economic reports that matter most, including inflation, jobs, and Federal Reserve policy. The discussion also examines the difference between sluggish and collapsing demand, the three ingredients required for a housing crash, and why today’s market conditions look very different from those of the Great Recession. This data-driven episode provides important context for understanding current housing trends.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction00:37-What Happens in August04:40-Economic Reports That Matter06:07-Inflation and the Fed10:13-Cooling vs Crashing Housing Market13:53-The Three Crash Ingredients16:38-Housing Crash Headlines Explained20:12-Why the Data Says Otherwise20:50-Conclusion
- Jul 22, 202629 min
Let's Talk Housing Episode 79: The Housing Market’s Next Big Shift
The housing market is shifting as inventory rises, buyer demand declines, and mortgage rates remain elevated. Steven Thomas and Brennen Thomas examine the new housing legislation, institutional investors becoming net sellers, price reductions, inflation, and the economic forces influencing the second half of 2026. The discussion also separates declining asking prices from actual home-value trends and addresses concerns that the United States may eventually build too many homes. Buyers and sellers receive practical guidance for navigating a slower and increasingly price-sensitive housing market.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction01:58-Housing Supply, Demand, and Market Time05:28-Mortgage Rates and the Second Half of 202607:59-Inflation, Oil Prices, and the Federal Reserve10:28-The New Housing Bill Explained15:15-Why Institutional Investors Are Selling16:58-Are Home Prices Really Dropping20:18-Is America Building Too Many Homes24:17-Advice for Buyers and Sellers27:48-Final Thoughts
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About Let's Talk Housing
Let’s Talk Housing is your go-to Q&A-style podcast for all things real estate and economics. Hosted by Brennen Thomas, with insights from chief economist Steven Thomas, we break down the market in plain language for realtors, investors, buyers, sellers, and anyone curious about housing.
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