Mortgage Rates, Market Swings, and the 2026 Waiting Game

Mortgage Rates, Market Swings, and the 2026 Waiting Game

Mortgage rates in 2026 are finally showing signs of improvement, but the market still feels unpredictable for real estate agents, mortgage brokers, lenders, and buyers.In episode 14 of Mortgage Cowboys, Mark and Todd talk through what is happening with rates, why the bond market has been so volatile, and how global events continue to create uncertainty in the mortgage and real estate world.00:00 – Welcome to Mortgage Cowboys07:24 – Todd’s move to Tennessee15:38 – What is happening with mortgage rates16:10 – Why the 2026 market has been so volatile17:00 – The mortgage rate bet continues17:48 – Bond market improvement and rate movement18:25 – Mark starts working out again23:22 – The problem with things being too convenient25:20 – Mark’s first workout with Todd28:40 – ClosingSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

The Boring Real Estate Advice That Works

In episode 13 of Mortgage Cowboys, we sit down with Dr. Ken to talk about going from chiropractic to real estate, learning from Mike Ferry, and why mindset still matters in today’s housing market. From decades around real estate coaching to building a new career in Boise, this episode dives into sales discipline, communication, first-time homebuyers, relocation, old-school relationship building, and why agents need to stop chasing shiny objects.We dive into:How Dr. Ken went from chiropractic into real estateWhat he learned after decades around Mike Ferry and his sales systemWhy mindset is one of the biggest advantages in real estateHow repetition, scripts, and consistency help agents improveWhy new agents should stop chasing every shiny objectWhat first-time homebuyers really need from their agentWhy communication can make or break a real estate transactionHow texting can weaken relationships between agents and clientsWhy AI is useful, but still can’t replace real conversationsWhat it takes to rebuild your identity after leaving a long careerWhy referrals are still one of the strongest forms of marketingHow moving from California to Idaho changed Dr. Ken’s lifeWhy Boise and Meridian offer a different kind of lifestyle for familiesWhat agents can learn from discipline, confidence, and old-school professionalismWhy real estate is still a people business at its core.00:00 Welcome to Mortgage Cowboys04:48 From Chiropractor To Realtor06:54 Lessons From The Road09:30 Mindset Under Pressure15:01 Real Estate Rewards22:26 COVID Social Fallout24:52 Behind The Scenes Stories26:56 Private Life And Family29:18 Krav Maga And Growing Up35:57 New Agent Focus Advice37:44 Relationships And Referrals39:22 Leaving Chiropractic Identity42:37 Finding Your Client Tribe45:11 Knowing The Right Home47:23 Suits And Sales Mindset52:21 Why Move To Idaho57:54 Keeping Idaho Idaho01:00:01 Barbershop And Slowing Down01:01:50 Closing Subscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

The Best Realtor Advice Is Surprisingly Simple

In episode 12 of Mortgage Cowboys, we sit down with Sarah Brewer to talk about going from real estate photography to becoming a real estate agent, building a personal brand, and why authenticity matters in real estate. From photographing homes behind the scenes to preparing for her real estate license, this episode dives into community, business owners, legacy, old homes, networking, and the simple advice new agents often overlook.We dive into:Why Sarah Brewer is transitioning from photography into real estateHow real estate photography shaped the way she sees homesWhy older homes, character, and craftsmanship still stand outWhat new agents should avoid when starting their real estate careerWhy chasing commission can hurt trust with clientsHow being yourself can become a real advantage in real estateWhy comparison can hold agents and business owners backHow events, music, and community can help build a real estate brandWhy business owners should think about homeownership and legacyWhat it’s like preparing for the Idaho real estate examHow agents can avoid micromanaging every transactionWhy the right team matters when serving clients00:00 Welcome to Mortgage Cowboys01:06 From Real Estate Photos05:02 Becoming a Real Estate Agent05:37 Legacy and Business Owners11:02 Why Real Estate Now12:29 Events and Brand Vision14:39 Love for Older Homes16:42 Basements and Spooky Stories19:05 Weiser Haunted House23:42 Agent Mistakes To Avoid29:20 Micromanaging Kills Pipelines31:48 Who Is Sarah39:28 Show Wrap And CTASubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

She Took the Risk Most People Avoid

In episode 11 of Mortgage Cowboys, we sit down with Andie Valenzuela to talk about moving from California to Boise, building a real estate career in a new market, and what it really takes to bet on yourself. From working with family in real estate to helping buyers relocate, this episode dives into mentorship, first-time homebuyers, communication, client relationships, and why starting over can sometimes be the smartest move.We dive into:Why Andie moved from California to Boise, IdahoHow she plans to help families relocating to the Treasure ValleyWhat it’s like building a real estate career in two different marketsWhy relationships matter more than location in real estateHow communication can make or break a transactionWhy newer agents need strong mentorship early in their careerWhat working with family in real estate is really likeHow first-time homebuyers can benefit from the right guidanceWhy difficult clients can teach agents important lessonsHow content, YouTube, and social media can help build a real estate brandWhy betting on yourself often means getting uncomfortableWhat Boise offers for people looking for a fresh start00:00 Welcome to Mortgage Cowboys01:09 Moving From California to Boise04:28 How Andie Got Into Real Estate08:12 Dual Licensing and Relocation Niche15:04 Biggest Challenges in Real Estate19:05 Working With Family in Business22:00 Goals Content and YouTube Plug27:46 Quick Get to Know Andie30:56 Best Boise Bites33:53 Lenders and Teamwork43:45 Advice for New Agents44:59 Nightmare Client Lessons50:07 Most Rewarding Deal53:51 ClosingSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

Your AI Mortgage Advice Might Be Costing You the House

In Episode 10 of Mortgage Cowboys, we break down why homebuyers need to stop relying on AI mortgage advice, Google searches, and bad market predictions when making real estate decisions. From late payments that can derail a home loan to buyers waiting for a housing crash that may never come, this episode dives into the messy reality of mortgages, real estate, lending guidelines, and why talking directly to your lender matters more than ever.We dive into:Why one late payment can completely change a mortgage approvalHow life happens, but lending guidelines still matterWhy buyers should ask their loan officer questions instead of sending AI-generated emailsHow ChatGPT and Google can confuse homebuyers with generic mortgage adviceWhy trusted lenders and realtors still matter in today’s AI-driven worldWhere the real estate market may be heading in 2026Why waiting for the “perfect time” to buy could cost you moreWhy the housing market probably isn’t crashing anytime soonHow real estate can still be a long-term wealth-building move00:00 Welcome to Mortgage Cowboys00:40 When a Loan Falls Apart02:14 Hard Months in Real Estate03:50 AI Mortgage Advice Problems06:40 The ChatGPT Email Story08:15 Just Ask Your Lender09:32 Google Rabbit Holes vs Real Advice11:30 Talk to a Trusted Professional13:28 Don’t Wait Forever to Buy14:25 Why a Housing Crash Is Unlikely15:20 Real Estate as a Long Game16:10 Bad Advice Can Cost Buyers34:00 The Concert Story37:10 Growing Up in Farming38:10 ClosingSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co