The Truth About Mortgage Rates

The Truth About Mortgage Rates

The Fed isn't the reason your mortgage costs what it costs and buyers may be watching the wrong numbers.


In this episode, Mikey Taylor and Michael Michalov break down why the housing market stalled, what's really driving rates in 2026, and the honest options left for a first-time buyer who feels priced out. No hype, no doom, just how the money actually moves, from the oil pump to the closing table.


They get into why gas prices jump even when the U.S. doesn't buy oil from the conflict zone,

how $6 trillion in printed money still echoes through your grocery bill, and why it feels like nobody with a 2.5% mortgage wants to sell.


In this episode:

• Why your mortgage follows the 10-year Treasury, not the Fed

• How a global oil market hits your local gas station

• The real reason 600,000 more sellers didn't crash prices

• The 3 doors priced-out buyers have

• Is AI about to create more business owners than it replaces?

• Class B & C apartments: the quiet “winner” of 2026


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Episoder(108)

The 4 Reasons Mortgage Rates Won't Drop Now

The 4 Reasons Mortgage Rates Won't Drop Now

Many buyers are waiting for mortgage rates to drop. In this episode, Mikey Taylor and Michael Michalov explain why that wait could last a lot longer than you think.They break down where rates stand ri...

15 Sep 27min

The New Law That Just Changed 8 California Counties

The New Law That Just Changed 8 California Counties

Eight California counties just lost control of their own zoning and residents may have no idea it happened.In this episode, Mikey Taylor and Michael Michalov break down SB 79, one of the most aggressi...

8 Sep 24min

$875 Billion in Real Estate Debt Comes Due This Year

$875 Billion in Real Estate Debt Comes Due This Year

$875 billion in commercial real estate debt comes due this year.In this episode, Mikey Taylor and Michael Michalov break down the "maturity wall": why loans made during the low-rate years of 2021–2022...

1 Sep 30min

Your Retirement Money Might Not Be Invested at All

Your Retirement Money Might Not Be Invested at All

There is $19 trillion sitting in American retirement accounts and approximately 1 in 5 of those accounts isn't invested in anything. The money is in cash, and those people may not know.In this episode...

25 Aug 24min

Estate Planning Explained: Trusts, Wills, and Powers of Attorney

Estate Planning Explained: Trusts, Wills, and Powers of Attorney

Here's the part you may not know: if you never write down what happens when you die, the government already wrote it down for you.In this episode, Mikey and Michael break down estate planning without ...

18 Aug 30min

 The Truth About Side Hustles

The Truth About Side Hustles

There's an invisible economy cooking. Almost half of Americans earned side hustle money this past year, and most of them are still trading time for dollars.In this episode, Mikey Taylor and Michael Mi...

11 Aug 26min

Foreclosures Just Jumped 21%. Is This 2008 Again?

Foreclosures Just Jumped 21%. Is This 2008 Again?

Foreclosures just spiked 21% and everyone is asking the same question: is this 2008 all over again?We pull the curtain back on the scariest housing number of the year. You'll learn why 230,000 foreclo...

4 Aug 21min

Why $700 Billion Is Flooding Into One Asset

Why $700 Billion Is Flooding Into One Asset

Cities across the country are voting no on data centers and people may not know what they're actually voting on.In this episode, Mikey Taylor and Michael Michalov break down an asset class that has re...

28 Jul 28min

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