Washington's Zoning Trap: The Rules Killing Your Deal (or Business) Before You Even Start

Buy Now or Wait? A 26-Year Loan Officer Answers the Question Everyone Is Afraid to Ask

Should you buy a home now or wait for mortgage rates to come down? In this episode, Anton sits down with veteran mortgage expert Cody Touchette, who brings more than 26 years of lending experience to answer one of the biggest questions facing homebuyers today. They dive into what's really driving mortgage rates, how inflation and oil prices affect housing affordability, why many buyers may be making a costly mistake by waiting, and what experienced investors are doing in today's market. The conversation also explores Federal Reserve policy, AI-driven job displacement, consumer spending trends, and the economic signals that could shape the housing market over the next few years. Whether you're a first-time buyer, homeowner, investor, or simply trying to understand where the economy is headed, this episode provides practical insights from someone who has guided clients through multiple market cycles. Topics include: • Mortgage rate forecasts  • Housing market trends  • Inflation and Federal Reserve policy  • Oil prices and economic uncertainty  • AI and the future of employment  • Buy now vs. wait strategies  • DSCR loans and investor financing  • ADUs, DADUs, and real estate wealth building  • How successful buyers are navigating today's market If you're considering buying, selling, investing, or refinancing, this is a conversation you won't want to miss. EPISODE CHAPTERS 00:00 Meet Mortgage Expert Cody Touchette: 26 Years in Lending 00:39 Is the Housing Market Finally Recovering? 01:23 Why Mortgage Rates Feel Normal Again 03:39 Will Mortgage Rates Ever Return to 3%? 04:00 The Truth About Mortgage Rate Predictions 04:44 Did the Federal Reserve Pull Off a Soft Landing? 06:20 Why 2022–2023 Devastated Real Estate Professionals 07:18 How Global Conflicts Sent Mortgage Rates Higher 08:10 Oil Prices, Inflation & Mortgage Rates Explained 09:08 Should You Buy a House Now or Wait? 09:47 Why Lower Mortgage Rates Could Push Home Prices Higher 10:21 California's Housing Market Is Heating Up Again 11:47 Inflation, Recession, or Soft Landing? What's Next? 12:25 Consumer Spending Signals Most Experts Are Missing 14:09 Does the Federal Reserve Really Control Mortgage Rates? 16:03 The Real Driver of Mortgage Rates: Inflation 17:08 How to Track Mortgage Rates Like a Professional 18:29 New Federal Reserve Leadership and Mortgage Rates 19:44 Why Oil Prices Matter for Homebuyers and Investors 22:14 Is Stagflation the Next Threat to the Economy? 23:49 Will AI Replace Jobs and Reshape the Workforce? 27:14 New Careers and Opportunities Created by AI 29:30 Mortgage Strategies Smart Homebuyers Are Using Today 30:04 Buy Before You Sell: The Wealthy Homeowner Strategy 33:00 How Fast-Track Mortgage Approval Helps Buyers Win 35:08 Mortgage Programs Most Homebuyers Never Hear About 35:56 DSCR Loans Explained for Real Estate Investors 38:15 Asset Depletion and Bank Statement Loans Explained 40:00 Why Mortgage Brokers Often Beat Traditional Banks 44:02 ADUs and DADUs: The Hidden Real Estate Wealth Strategy 48:08 What Smart Real Estate Investors Are Buying Right Now 51:22 The Biggest Mistakes Homebuyers Are Making Today 52:20 How Seller Buydowns Can Save Buyers Thousands 55:26 Mortgage Rate Forecast for the Next 12 Months 57:00 What Happens to Home Prices When Rates Fall? 58:22 How to Invest $100,000 in Real Estate Today 01:00:00 Connect with Mortgage Expert Cody Touchette About the Show Welcome to the Anton Stetner Podcast, where we break down real estate, economics, investing, housing policy, and the trends shaping the future of the Pacific Northwest and beyond. Whether you're a homebuyer, investor, business owner, or simply trying to make sense of today's economy, you'll find practical insights, market analysis, and conversations with industry experts designed to help you make smarter financial decisions. 🏡 Looking to buy, sell, or invest in Washington State real estate? Visit: RESG.com 📩 Subscribe to our newsletter for market updates, housing trends, and investment opportunities.

The War Spikes Mortgage Rates… And It’s GREAT for Buyers | Washington Real Estate

Mortgage rates are surging again — but what if this chaos is actually creating one of the biggest buying opportunities in today’s housing market? In this episode of the Anton Stettner Podcast, Anton breaks down how war, oil prices, inflation, bond markets, and Federal Reserve policy are directly impacting mortgage rates, real estate, and affordability across Washington State and the Seattle metro. The conversation dives deep into: *  Why mortgage rates suddenly jumped  *  How Iran and global oil supply affect housing  *  Why inflation may stay elevated longer than expected  *  The hidden economic data buyers should watch  *  AI layoffs and the changing labor market  *  Why smart investors buy during fear  *  How buyers are negotiating better deals right now  *  The real opportunities emerging in today’s market  Anton also explains why rising inventory, slowing consumer confidence, and temporary market fear are creating leverage for buyers and investors who know how to read the data. If you're thinking about buying a home, investing in real estate, relocating to Washington State, or simply trying to understand where the economy is headed, this episode gives a practical breakdown of what’s happening behind the headlines. 📍 Washington State Real Estate  📈 Housing Market Analysis  🏡 Buyer & Investor Strategy  ⚡ Inflation, Oil & Mortgage Rates Explained Reach out to the team at RESG.com if you want help navigating today’s market. About the Show Welcome to the Anton Stetner Podcast, where we break down real estate, economics, investing, housing policy, and the trends shaping the future of the Pacific Northwest and beyond. Whether you're a homebuyer, investor, business owner, or simply trying to make sense of today's economy, you'll find practical insights, market analysis, and conversations with industry experts designed to help you make smarter financial decisions. 🏡 Looking to buy, sell, or invest in Washington State real estate? Visit: RESG.com 📩 Subscribe to our newsletter for market updates, housing trends, and investment opportunities.

Washington's Zoning Trap: The Rules Killing Your Deal (or Business) Before You Even Start

In this episode, we uncover why so many Washington real estate projects are failing long before construction even begins. While most people blame interest rates or the economy, the real problems are happening inside city halls, planning departments, and local permitting systems. We break down the growing gap between pro-housing political messaging and the harsh reality developers, builders, and investors face when trying to get projects approved in places like King County and Snohomish County. From permit delays and bureaucracy to rising costs and public data exposure, the process is becoming increasingly difficult—and now even dangerous. The conversation also dives into a disturbing new trend: sophisticated AI-generated scam emails targeting developers and construction projects using publicly available permit information. These fake invoices and government impersonation scams are becoming incredibly convincing, creating new risks for anyone involved in real estate development. If you care about housing affordability, Washington real estate, development, investing, or the future of construction in the Pacific Northwest, this episode provides an inside look at what’s really happening behind the scenes. Topics include: *  Washington housing crisis  *  Permit delays and city hall bureaucracy  *  AI-generated fraud targeting developers  *  Public permit data risks  *  Construction and development challenges  *  King County & Snohomish County housing issues  *  The future of Washington real estate development About the Show Welcome to the Anton Stetner Podcast, where we break down real estate, economics, investing, housing policy, and the trends shaping the future of the Pacific Northwest and beyond. Whether you're a homebuyer, investor, business owner, or simply trying to make sense of today's economy, you'll find practical insights, market analysis, and conversations with industry experts designed to help you make smarter financial decisions. 🏡 Looking to buy, sell, or invest in Washington State real estate? Visit: RESG.com 📩 Subscribe to our newsletter for market updates, housing trends, and investment opportunities.

Why Recession Could Hit Washington State This Year

Is Washington State heading toward a recession—and most people just don’t see it yet? In this episode, we break down the real forces quietly impacting the economy, from rising energy costs to what many are calling a “hidden tax” affecting everyday residents. While national headlines dominate the conversation, the truth is happening locally—and Washington State is facing unique pressures that could hit harder and faster than expected. We connect the dots between gas prices, policy decisions, and inflation, showing how these factors are already impacting homeowners, investors, and anyone trying to navigate today’s market. This isn’t theory—this is what people are feeling right now in their day-to-day lives. If you care about where the economy is heading, this conversation matters. In this episode: * Why rising energy costs may be acting like a hidden tax * How policy decisions are impacting the local economy * What this could mean for real estate and cost of living * Why Washington State may be more exposed than other markets 👉 Follow the show for weekly breakdowns on real estate, policy, and the economy 👉 Share this episode with someone who needs clarity on what’s happening This is one of those conversations that helps you see what others are missing. About the Show Welcome to the Anton Stetner Podcast, where we break down real estate, economics, investing, housing policy, and the trends shaping the future of the Pacific Northwest and beyond. Whether you're a homebuyer, investor, business owner, or simply trying to make sense of today's economy, you'll find practical insights, market analysis, and conversations with industry experts designed to help you make smarter financial decisions. 🏡 Looking to buy, sell, or invest in Washington State real estate? Visit: RESG.com 📩 Subscribe to our newsletter for market updates, housing trends, and investment opportunities.

The Fed Just Changed Washington Housing — And It’s Not Good

On April 29, the Federal Reserve is making a decision that could directly impact your home value—and most people aren’t paying attention. In this episode, we break down what’s really happening behind the headlines and why the Fed is almost certain to hold interest rates in 2026. From geopolitical tension and oil shocks to leadership changes inside the Federal Reserve, this is the full picture of what’s driving uncertainty in today’s housing market. But here’s the part most people miss… This isn’t just about rates. It’s about how fear, volatility, and timing are quietly reshaping the Washington housing market—creating hesitation for some and opportunity for others. We walk through: *  Why mortgage rates aren’t controlled the way most people think  *  How global events are impacting your monthly payment  *  What the Fed’s next move could signal for the rest of the year  *  Real data from Snohomish and King County (what’s actually happening vs. what’s reported)  *  Where buyers, sellers, and investors should be focusing right now  If you own a home, are thinking about buying, or are waiting for the “right time,” this conversation matters. While most people are sitting on the sidelines, a small group is positioning itself to win. 👉 Share this episode with someone who needs to understand what’s happening  👉 Follow the show for weekly breakdowns on real estate, policy, and the economy This is one of those moments where being informed isn’t optional—it’s everything. About the Show Welcome to the Anton Stetner Podcast, where we break down real estate, economics, investing, housing policy, and the trends shaping the future of the Pacific Northwest and beyond. Whether you're a homebuyer, investor, business owner, or simply trying to make sense of today's economy, you'll find practical insights, market analysis, and conversations with industry experts designed to help you make smarter financial decisions. 🏡 Looking to buy, sell, or invest in Washington State real estate? Visit: RESG.com 📩 Subscribe to our newsletter for market updates, housing trends, and investment opportunities.