What's Your 1 More?

Ep. 267 - Are we getting back to 2019 levels?

Like and subscribe to the What’s Your 1 More Podcast for more real estate and mortgage conversations. Is the housing market finally returning to normal? In this episode #267, Quinton Harris explains how the real estate cycle moved from expansion to chaos to consolidation and why today’s market may be shifting back toward stability. He breaks down what changed after COVID, what recent mergers signal, and what it means for homeowners dealing with inventory, pricing, and timing in today’s market. “Normal is more clear and more in the future than I’ve seen in the last three years.” Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers. 👉 Check them out at https://mortgage.texanabank.com — and see what makes them different. 👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now! Connect with us: Youtube: https://www.youtube.com/@whatsyour1more Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355 Facebook: / whatsyour1more Twitter: / whatsyour1more Instagram: / whatsyour1more Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5 If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community! 00:00:00 Intro + 2019 “normal” discussion 00:00:20 Industry lifecycle explained 00:03:20 Real estate cycle + current market phase 00:05:10 Expansion → chaos (2020–2022) 00:06:20 Consolidation + major mergers 00:08:15 Sponsor: Texana Bank REMLO 00:09:30 Why consolidation happens (mortgage + real estate) 00:12:35 Opportunities in consolidation 00:13:25 New “normal” post-COVID 00:14:10 Market outlook + closing

Ep. 266 – First-Time Home Buyers are making a move

Like and subscribe to the What’s Your 1 More Podcast for more real estate and market conversations. What’s bringing first-time home buyers back into the market—and why does it matter right now? Quinton Harris breaks down how mid-6% rates are driving demand, how small rate shifts impact affordability, and why inventory remains tight as new buyers enter without replacing supply. If you’re planning to buy or watching the market, this episode connects the numbers to real decisions. “Timing matters—but waiting for perfect usually costs more than moving with purpose.” — Quinton Harris Special thanks to Housing Wire: https://www.housingwire.com/ Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers. 👉 Check them out at https://mortgage.texanabank.com — and see what makes them different. 👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now! Connect with us: Youtube: https://www.youtube.com/@whatsyour1more Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355 Facebook: / whatsyour1more Twitter: / whatsyour1more Instagram: / whatsyour1more Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5 If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community! 00:00 Are first-time home buyers finally back? 01:25 Why younger buyers suddenly want homes 03:35 The demand wave nobody’s talking about 05:35 Why today’s rates feel worse than they are 06:40 The “Compromise Zone” changing everything 09:30 How a small rate drop unlocks $30K more house 10:20 The real reason inventory isn’t growing 12:30 Where mortgage rates are actually heading 13:20 Why younger buyers are jumping in earlier

Ep. 265 - Trump Targets Wall Street Housing

Like and subscribe to the What’s Your 1 More Podcast. Will banning institutional investors from buying single-family homes actually make housing more affordable? In this 265th episode, host Quinton Harris explains why institutional investors are not driving prices down, why housing demand remains high, why supply is still the real issue, and how interest rates, labor data, and mortgage payments will shape affordability for homeowners and buyers in 2026. “I’ve never met a homeowner who said they were glad they waited.” Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers. 👉 Check them out at https://mortgage.texanabank.com — and see what makes them different. 👉 Check out REMLO out at https://mortgage.texanabank.com/remlo... for more information and to sign up now! Connect with us: Youtube: / @whatsyour1more Apple: https://podcasts.apple.com/us/podcast... Facebook: /whats your 1 more Twitter: /whats your 1 more Instagram: /whats your 1 more Spotify: https://open.spotify.com/show/37zPGiz... If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community! 00:00:00 – Welcome and 2026 kickoff 00:00:20 – Trump calls to ban institutional investors 00:02:30 – Market reaction and feasibility issues 00:04:55 – Investor data vs housing crash claims 00:06:15 – Demand and supply imbalance 00:07:45 – REMLO 00:08:45 – Labor market weakness and the Fed 00:10:05 – Rates, payments, and affordability 00:11:55 – Why waiting to buy rarely works 00:13:00 – Final outlook and closing

Ep. 264 - Why mortgage rates didn't drop after Fed Rate Cuts- w/Dan Habib

The Fed cut rates—but mortgage rates didn’t drop. Quinton Harris and Dan Habib of MBS Highway explain why mortgage pricing works differently, what’s already priced into the market, and what buyers, sellers, and homeowners should watch next. Special thanks to Dan Habib with MBS Highway: https://www.highway.ai/ Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers. 👉 Check them out at https://mortgage.texanabank.com — and see what makes them different. 👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now! Connect with us: Youtube: https://www.youtube.com/@whatsyour1more Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355 Facebook:/ whatsyour1more Instagram:/ whatsyour1more Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5 If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community! 00:00 Fed meeting recap and episode overview 01:30 Why a Fed rate cut doesn’t equal lower mortgage rates 03:55 Labor market weakness and job revisions explained 05:40 Inflation vs prices and why confusion matters 06:30 Fed treasury purchases and liquidity impact 08:45 Neutral rate, restrictive policy, and future cuts 11:05 Dot plot breakdown and divided Fed outlook 13:00 Fed leadership changes and 2026 implications 17:35 What Fed policy means for buyers and sellers 19:45 Short-term vs long-term rates explained 22:00 Why rate cuts can push mortgage rates higher 24:20 How markets price rate cuts in advance 26:00 2024 rate cut case study and mortgage reaction 28:40 Mortgage rate outlook and timing risks 30:55 Debt issuance, deregulation, and rate pressure 33:15 Mortgage spreads and why they matter 35:05 Will mortgage rates fall under 6%? 36:20 Final takeaways and rate expectations

Ep. 263 - Zillow estimates are WRONG!

Like and subscribe to the “What’s Your 1 More” Podcast! What does a headline claiming 53% of homes lost value actually mean for you going into 2026? This episode breaks down Zillow’s estimate claims, the new FHFA loan limits, how Fannie Mae and Freddie Mac data show a 3.2% rise in home values, why delisting during the holidays creates opportunity, and how buyers can position themselves before lower rates pull more competition into the market. “Start analyzing the facts for yourself and get ahead of the curve.” — Quinton Harris Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers. 👉 Check them out at https://mortgage.texanabank.com — and see what makes them different. 👉 Check out REMLO out at https://mortgage.texanabank.com/remlo... for more information and to sign up now! Connect with us: YouTube: /@whatsyour1more Apple: https://podcasts.apple.com/us/podcast... Facebook: /whatsyour1more Twitter: /whatsyour1more Instagram: /whatsyour1more Spotify: https://open.spotify.com/show/37zPGiz... If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community!