Let's Talk Housing

Let’s Talk Housing is your go-to Q&A-style podcast for all things real estate and economics. Hosted by Brennen Thomas, with insights from chief economist Steven Thomas, we break down the market in plain language for realtors, investors, buyers, sellers, and anyone curious about housing.

Let's Talk Housing Episode 62: Signs of Weakness Returning?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down the government reopening, mortgage rates, NAR forecast, economic concerns, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:56-Real Estate Update06:39-Latest Economic Update (Post-Government Reopening)11:48-How Low Will Mortgage Rates Go? Are We Stuck Above 5% Permanently?17:01-NAR Forecasting Double-Digit Growth In 202619:12-Portable Mortgage Talks Have Returned…24:31-Conclusion

11-26
25:16

Let's Talk Housing Episode 61: AI's Impact In Real Estate

Dive into the latest housing market trends and economic updates in this episode! We’ll break down concerns over investors, homebuying now vs. later, AI in real estate, the future of housing, 50-year mortgages, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:49-Real Estate Update, Economics Update, and Government Shutdown Update09:49-Are Investors A Problem?14:10-Purchasing Now Or In The Spring18:51-First-time Home Buyers Metrics Worsening20:28-AI In Real Estate22:16-50-Year Mortgage…25:03-Conclusion

11-13
25:51

Let's Talk Housing Episode 60: Signs Of A Recovery For Real Estate

Dive into the latest housing market trends and economic updates in this episode! We’ll break down the Government shutdown, some signs the market is healing, Guess That Market, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:12-Government Shutdown Update03:11-What Does The Fed Do Without All The Data?06:20-Real Estate Could Heal From Lower Rates09:56-How The Real Estate Industry Is Healing11:52-If Rates Continue To Fall, What Could Happen13:52-Sellers Outnumbering Buyers 500,000…16:57-What The 3 Signs Home Prices Can Plunge Are19:03-Guess That Market20:43-Guess That Market Answer & Explanation26:00-Recession Calls Returned30:03-Conclusion

10-28
30:56

Let's Talk Housing Episode 59: The Market Under Pressure

Dive into the latest housing market trends and economic updates in this episode! We’ll break down purchasing with friends, market dynamics, private listings, investors, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:24-Real Estate Market Update05:48-Is The Government Shutdown Having Any Impacts?07:15-Economic Update (If Anything…)09:11-Purchasing With Friends Or Relatives10:46-Are We Back In A Balanced Market?13:52-Will Private Listings Rise With The Compass Acquisition17:09-Can We Sustain With Our Mortgage Rates19:37-Credit Scores Dropping Fast22:51-Context Is Key25:05-Investors Purchasing 1/3 Of All Properties In Q2 202527:46-Conclusion

10-15
28:37

Let's Talk Housing Episode 58: Housing at a Crossroads

Dive into the latest housing market trends and economic updates in this episode! We’ll break down recent topics on the Federal Reserve, Compass's recent acquisition, fertility rates in the US, mortgage rates, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:07-Real Estate Market Update06:35-Federal Reserve Meeting13:25-What Is The Importance Of Fed Independence19:01-Fannie Mae's Mortgage Prediction20:56-Downside Stickiness In Housing24:48-Compass Recent Acquisition 26:59-Declining Fertility Rates' Impact On Housing29:57-No Crash In The Commercial Market31:08-Conclusion

10-01
31:56

Let's Talk Housing Episode 57: Where to Invest: A Home or Wall Street?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down whether purchasing a home is a worthy investment, national housing emergency, housing bubble, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:37-Real Estate Market Update04:00-No Price Crash!04:50-Latest Economic News10:08-Why Is Housing An Investment?14:29-Younger People Investing Rather Than Purchasing A Home17:51-National Housing Emergency, Is It Real? 19:51-14 High-Risk Markets In California?22:22-Is Housing In A Bubble?24:13-Message To Sellers In Today's Market30:28-Conclusion

09-17
31:25

Let's Talk Housing Episode 56: Is History Repeating in Real Estate?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down whether history is repeating itself for the housing market, buyers on the sidelines, the Federal Reserve potentially cutting rates, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:32-Real Estate Market Update04:30-Is the Market Picking Up Unlike Recent Years?06:10-Latest Economic News08:44-What Are The Odds The Fed Will Cut?10:55-Is History Repeating Itself?13:47-What Happens When Rates Reach 6% 16:12-Will Prices Or Rates Cave First?20:17-Home Prices In Metros Falling And Rising23:10-Sellers Removing Their Homes Off The Market27:15-Conclusion

09-03
27:57

Let's Talk Housing Episode 55: Home Buying: Now or Later?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down if it's beneficial to purchase in today's buyer's market, a tariff update, Capital Gains Tax, Gen Z & buying trends, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:25-Real EstateMarket Update05:27-Latest Economic News12:57-Normal Inventory Peak?14:24-Is It Still A Good Time To Buy?19:28-Capital Gains Tax Update?22:50-Tariff Update 27:15-Gen Z Homeowners Are Unhappy29:31-Will Gen Z Rent For Longer?30:53-1-Year After Real Estate Commission Changes34:28-Conclusion

08-21
35:22

Let's Talk Housing Episode 54: Does The Fed Impact Housing?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down the Federal Reserve and if they can fix housing, is there still a housing shortage?, more on home prices, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:31-Current Market Update06:22-Latest Economic News12:17-Is The Fed Stuck Behind?15:57-Are We Stuck Above 6% For Mortgage Rates?20:55-Is There Still A Housing Shortage?23:51-4 States Where Prices Are Expected To Crash 26:20-What Is The Tipping Point For Buyers?30:43-Does The Federal Reserve Have The Tools To Fix Housing?37:00-Conclusion

08-06
37:43

Let's Talk Housing Episode 53: Housing Slows, Cancellations Rise

Dive into the latest housing market trends and economic updates in this episode! We’ll break down home cancellations on the rise, affordability concerns, the Federal Reserve, more news on tariffs, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:05-Current Market Update05:35-Slowing Housing and Home Prices12:11-Latest Economic News 14:24-Did The Latest Data Impact Future Fed Meetings?15:43-Jerome Powell's Position At Risk?20:59-Home Cancellations Rising 23:43-Will Falling Prices Help With Unaffordability?27:47-Updates on Tariffs30:23-Conclusion

07-23
31:25

Let's Talk Housing Episode 52: Does Renting Beat Buying Today?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down whether it's better to rent or own in today's market, July Fed meeting, falling prices, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:13-Current Market Update03:36-Latest mEconomic News04:44-Job Numbers Disappointing10:14-Why Large Terminations Are Not Showing In Job Reports11:51-SD & Oakland Home Prices 21:20-Is Renting The Answer?24:55-Cancelled Pendings On The Rise27:12-Mortgage Applications Also On The Rise29:20-Conclusion

07-09
30:01

Let's Talk Housing Episode 51: Housing Shortage Or Housing Surplus?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down the recent inventory surge, first-time homebuyers depleting, the state of the job market, and much more.Got questions? Drop them in the comments or email us at brennen@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:00-Current Market Update05:50-Latest Economic News08:33-Is There Still A Housing Shortage?10:39-Bubble Deflating & Extra Sellers16:20-Is There A Cushion Protecting Us From Soaring Prices?19:21-The Struggles For First-Time Homebuyers22:26-Is It Still A Good Time For First-Time Homebuyers?25:03-Home Builder Confidence Continues To Tumble27:52-Is There A Debt Bubble Brewing?32:07-Conclusion

06-25
32:54

Let's Talk Housing Episode 50: Housing Market Myths Debunked

In this special edition of Let’s Talk Housing, we’re breaking down some of the biggest myths in the housing market: beliefs that buyers, sellers, and agents still get wrong.From the truth about needing 20% down to whether it’s always better to buy than rent, we’re tackling the rumors with real-world experience and data to back it up.What you’ll learn in this episode: The top 6 housing market myths debunkedHow waiting for rates to drop is unhelpfulIs it a bad time to sell?Why the 20% down myth still lingers Is the market truly crashing like '08?Sponsored by Josh Niehaus at Elite Group Inspection, (800) 494-8998.Available on all platforms. Be sure to like, subscribe, and share with someone who needs a reality check before their next move.Got questions? Drop them in the comments or email us at info@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:50-CurrentE conomic & Real Estate Market Update04:58-Myth 1: It’s always better to wait for lower rates08:37-Myth 2: The market is going to crash like 200811:35-Myth 3: You need 20% down to buy a house13:22-Sponsor14:52-Myth 4: Now is a terrible time to sell18:32-Myth 5: Zillow says my house is worth $____, so that must be true20:40-Myth 6: All cash offers are unbeatable22:59-Conclusion

06-11
23:57

Let's Talk Housing Episode 49: Are Prices Heading For A Correction?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down home prices and where they are heading, debt delinquency, mortgage rate lockdown, and much more.Got questions? Drop them in the comments or email us at info@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:38-Current Market Update07:48-Latest Economic News11:57-What If Rates Stay Above 7%?14:51-Credit Downgrading Impacting The Market17:03-Zillow & Redfin Are Calling For Price Drops21:41-Debt Delinquency  24:09-How To Succeed In Today's Market.26:23-Mortgage Rate Lockdown Officially Gone?29:32-Conclusion

05-28
30:15

Let's Talk Housing Episode 48: Price Reductions On The Rise?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down cracks in the housing market, private listings, price reductions, tariffs, and much more.Got questions? Drop them in the comments or email us at info@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:00-Latest Economic News07:57-Current Market Update12:17-Cracks In TheM arket14:34-Private Listings Affecting The Housing Market?16:30-Price Reductions Increasing Y-O-Y19:40-Are Price Reductions An Indicator For a Crash?23:22-Insurance Rates On The Rise26:05-An Update On Tariffs And How It Affects Wall Street30:11-Conclusion

05-14
31:03

Let's Talk Housing Episode 47: Where Are House Prices Heading?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down where home prices are heading, concessions, home sales slamming the brakes, mortgage rates, and much more.Got questions? Drop them in the comments or email us at info@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction00:47-Current Market Update04:38-Latest Economic News07:40-What Can Drive Down Rates?08:46-More People Passing Down Homes?10:37-Worries Over Housing Crash And Affordability14:41-Concessions On The Rise16:18-Home Sales Comparison - Great Recession V. Today19:33-Where Are Home Prices Heading?21:21-Conclusion

04-30
22:04

Let's Talk Housing Episode 46: Can The Bond Market Crushing Housing?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down tariffs, the bond market, economic recession, ageing homeowners, and so much more.Got questions? Drop them in the comments or email us at info@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:21-Current Market Update05:07-Latest Economic News09:30-What Is Happening In The Bond Market?13:30-What Would An Economic Recession Mean For Housing?15:30-Recession Flag Update20:52-Has The Market Changed Since The Fires?25:13-If Rates Stay Near 7%, Will Inventory Continue To Climb? 28:44-Baby Boomers Leading The Way30:15-How Will The Rest Of 2025 Look?33:17-Conclusion

04-16
34:03

Let's Talk Housing Episode 45: Best Day To Sell - Debunked

Dive into the latest housing market trends and economic updates in this episode! We’ll break down if there is a best day to sell, recession flags, consumer spending, more on the spring market, and so much more.Got questions? Drop them in the comments or email us at info@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction02:19-Current Market Update04:20-Latest Economic News11:17-Is There A Right Day To Sell?14:55-If Rates Do Give In, Can We See A Different Market?16:11-More People Being Mortgage Free 17:44-Recession Flags20:49-Amazon And Others With Mass Firings 23:26-Wealthy Taking Up Most Of Consumer Spending26:08-Housing Building Index Bottoming?29:35-Tips For Navigating The Spring Market32:16-Conclusion

04-02
32:58

Let's Talk Housing Episode 44: Recession Calls Return: Are You Ready?

Dive into the latest housing market trends and economic updates in this episode! We’ll break down the housing and economic recession, what type of market we're seeing, the silver tsunami, and much more.Got questions? Drop them in the comments or email us at info@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction03:01-Current Market Update05:24-Latest Economic News10:09-How Likely Is An Economic Recession?12:05-How Could A Recession Impact Housing?14:24-What Type Of Market At We Seeing Now? 16:32-Tariffs Impacting The Housing Market?19:02-Climate Risk Causing Drop In Values By 2055? 20:55-Is The Spring Kick Here?22:38-Where Are We With The Silver Tsunami?27:46-How Have The Commission Changes Impacted Real Estate?30:19-What Can We Do To Help Fix Affordability?34:35-Conclusion

03-19
35:18

Let's Talk Housing Episode 43: Markets Gaining Traction

Dive into the latest housing market trends and economic updates in this episode! We’ll break down the spring market, dropping rates, first-time home buyers, home values, and much more.Got questions? Drop them in the comments or email us at info@reportsonhousing.com for a chance to have them featured in a future episode!Time Stamps:00:00-Introduction04:33-Current Market Update08:26-Latest Economic News17:00-Spring Market20:11-Busy Season Slower Than Last Year?23:07-Tariff Being Used To Lower Rates? 25:55-Low Percentage Of First-Time Homebuyers31:22-What Can 2025 Look Like For Home Values?33:07-Should People Wait For Values To Drop?39:08-Conclusion

03-05
39:56

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