Said on Jul 22, 2026, at 15:27 in the video.
“But, don't expect this to happen, because as we've all seen, rates have stayed significantly higher for much longer than people have expected.”The direction of this call could not be determined with confidence, so it is held out of the score.
30-year fixed mortgage rate: Freddie Mac PMMS via FRED, figures as first published. The shaded span is the window the call was checked over; grey bands are recessions.
The direction of this call could not be determined with confidence, so it is held out of the score.
say that you shouldn't be waiting for a 30% crash that'll probably never happen. Instead if the numbers work for you today on a home that you could comfortably afford even if your income drops that you intend on keeping for at least 7 to 10 years and the numbers work out in your favor then by all means do it. Number two you should refinance if rates drop. Again if you buy something today that you could genuinely afford and rates do eventually drop, and you could refinance to save some money, great. By all means, go for it. But, don't expect this to happen, because as we've all seen, rates have stayed significantly higher for much longer than people have expected. That then leads to number three. There's absolutely no shame in renting. Realistically, if you could rent the exact same house for much less than it would cost you to buy it, and you could invest the difference, I just tend to think that's the smarter move right now. The way I see it, renting is not throwing away money when it's costing you less than what it would cost to buy without tying up your down payment in an illiquid asset. In a lot of markets, renting just makes significantly more sense. Even if society says, "Oh,
What a person said is shown in their own words and is never translated. The link goes to the exact second in the video.
Graham StephanMortgage rateswill rise
“your payments are probably going higher.”
Aug 10, 2026 · after 30 days
Graham Stephana call under review
“starting now, mortgage rates have already begun going higher.”
Aug 10, 2026
Graham Stephana call under review
“I don't think any of these are going to have a lasting effect whatsoever.”
Mar 18, 2026
Graham StephanMortgage rateswill fall
“In the near term, a flight to safety of the dollar could actually push Treasury yields down and actually reduce mortgage rates.”
Mar 2, 2026 · after 180 days
Graham Stephana call under review
“mortgage rates coming down, which should boost the short-term value of my properties even further,”
Jan 13, 2026
Graham Stephan, relaying another source: Mortgage rates will fall to 0.5%
“most analysts predict the drop of about a quarter to a half a percentage point in mortgage rates, which could boost purchasing power by as much as 6%.”
Jan 13, 2026