The David Greene Show Mortgage Monday | Lower Rates Won’t Fuel Boom | Episode 98
Nov 17, 2025
Rates have dipped, but home sales remain stagnant. The hosts delve into why predictions of a housing crash were way off. They explore the complexities of housing demand, from job stability to consumer debt. Interestingly, lower rates might not ignite buyer enthusiasm without key economic factors in play. They also caution against over-relying on AI tools for real estate analysis. Ultimately, the conversation reveals that current conditions favor refinancing over a buying spree. It's a thought-provoking discussion on navigating the market.
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Episode notes
Deals Happen Even At High Rates
- Christian recalled people buying properties even at 9% rates during the peak a year ago.
- He highlights investors always find ways to make deals work across cycles.
Rates Fell But Aren’t A Guaranteed Boom
- Mortgage rates have fallen from peaks but remain well above pandemic lows, limiting immediate buying frenzies.
- Fiscal deficits and macro risks could still push long-term rates higher despite short-term declines.
Conference Takeaways On Deficits And AI
- David and Christian discussed attending mortgage conferences and Summers’ warning on deficits and rates.
- Summers offered two scenarios: fiscal strain raising yields or AI-driven productivity easing deficits.
