Said on Jan 5, 2026, at 9:02 in the video.
“it's largely expected that mortgage rates will begin to decline, prices may begin to soften, but not collapse, and affordability may slightly improve for buyers, but not by much.”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.
Somebody else's forecast — not scored
sold three properties in the last two years. My plan is to sell another two when I get them ready. And ideally longterm, all I want is a primary residence that I live in myself and that's it. Again, this is about optimizing more so for peace of mind than more money. Even though in California, I'd actually make more money selling out the properties and putting that money to work somewhere else. But we'll save that for another video. Anyway, in terms of the broader market though, since this is a 2026 video, it's largely expected that mortgage rates will begin to decline, prices may begin to soften, but not collapse, and affordability may slightly improve for buyers, but not by much. So, the general consensus seems to be more of the same. Although, this next one is going to be quite different, and that would be Bitcoin. Honestly, this one's not for the faint of heart because it started the year at 93,000, fell to 75,000, then rose to 125,000, and then settled around 90,000. Meaning, if you bought once at the beginning of the year and then did absolutely nothing, you would have lost money. Now, even though Bitcoin's price swings like this are not unusual by any stretch of the imagination,
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 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