Said on Aug 10, 2026, at 0:16 in the video.
“starting now, mortgage rates have already begun going higher.”How this call was recorded (its subject, its direction or a figure) is being checked again, because the words may not say what was first recorded. It is not scored until a person has reviewed it.
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.
How this call was recorded (its subject, its direction or a figure) is being checked again, because the words may not say what was first recorded. It is not scored until a person has reviewed it.
What's up you guys? It's Graeme here and I got to say this is absolutely crazy. Believe it or not, the market is now pricing in the chance of an upcoming rate hike for the first time in more than 3 years. This means the entire financial system is about to repric and no one's prepared for what's about to happen next. After all, starting now, mortgage rates have already begun going higher. Credit card debt becomes more expensive. Every single borrower gets squeezed. And the only people coming out ahead are those sitting in cash getting paid higher interest while everyone else pays the price. That's why we have to urgently talk about exactly what just happened, the impact that higher interest rates are going to have throughout our economy, and then most importantly, what you're able to do about it, because the next few weeks could really determine who's able to benefit from this new environment and who gets absolutely crushed. Although before we start,
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 with no clear direction
“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.”
Jul 22, 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