Why Lower Rates Set Up a Strong 2026 Housing Market

Low Rates, Pent-Up Demand, and the Road to 2026

From Corona, California, KP checks in during the “Void” between Christmas and New Year’s to unpack why interest rates are entering 2026 at some of the lowest levels of the year—and why that matters more than most people realize. With short-term borrowing costs down, housing demand quietly building, and borrowers watching rates closely, this episode connects the dots between Fed policy, equity growth, and real-world movement in housing and mortgages.

KP walks through why the mortgage rate lock-in effect is real—but not permanent—how life events ultimately force housing decisions, and why starting the year with lower rates changes the psychology of buyers and sellers heading into spring. The discussion also covers Big Tech capital spending, existing home sales trends, and why trade shows, conversations, and consistency matter in a growth environment.

Zooming out, the episode explores key macro risks and tailwinds: potential government shutdowns, election-year volatility, a new Fed chair, tariff uncertainty, and commodity signals like copper and gold. KP also dives into AI, data center buildout, productivity gains, and why scaling with technology should empower people—not replace them. The episode closes with under-the-radar positive trends and a mindset reset for leaders preparing for a busier year ahead.

Episode Highlights:
00:00 – Interest rates at yearly lows heading into 2026
0:39 – KP checks in from Corona, CA and the “Void” between holidays
1:27 – Fear vs optimism and why positivity matters in markets
2:16 – Why starting the year with low rates is a big deal
3:08 – Pent-up demand, Fed pauses, and borrower behavior
3:27 – The mortgage rate lock-in effect explained
4:01 –  Rate Lock-In Is Real — But Not Permanent
5:35 – Trade shows, industry vibes, and growth years
6:33 – Why 2026 is shaping up to be a busy year
7:20 –  Fed leadership and Don’t fight the Fed: policy, data, and long-term trends
8:10 – Macro Risks That Could Move Rates
8:21– Commodities check: oil, lumber, copper, gold, and what they signal
9:31 – AI, data centers, and American innovation
10:21 – Scaling with AI without cutting people
11:28 – Positive trends heading into the new year
11:43 – Final mindset reset and New Year message


Stay focused. Stay consistent. Stay ready for growth.
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