Housing: The "Lock-In" Thaw
InvestTalk
Hosts Justin Klein & Luke Guerrero, CFA | Wealth Managers and Investment Advisors
4.4 • 1.5K Ratings
🗓️ 13 January 2026
⏱️ 48 minutes
🧾️ Download transcript
Summary
With mortgage rates stabilizing near 6%, there are early signs that the "lock-in effect" is breaking, potentially bringing much-needed inventory to the Spring 2026 market.
Today's Stocks & Topics: Micron Technology, Inc. (MU), Market Wrap, Southern Copper Corporation (SCCO), STAG Industrial, Inc. (STAG), Housing: The "Lock-In" Thaw, Avantis Moderate Allocation ETF (AVMA), Fiverr International Ltd. (FVRR), Data Centers, Grocery Outlet Holding Corp. (GO), Fabrinet (FN), Teradyne, Inc. (TER), Venezuela Oil.
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Transcript
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| 0:00.0 | On radio, on YouTube, streaming live on invest talk.com, and for our podcast subscribers, this is InvestTalk. Incependent Thinking, shared success. |
| 0:18.2 | InvestTalk is made possible by KPP Financial, a registered investment advisor firm, serving clients throughout the United States. |
| 0:27.5 | Here is KPP Financial Portfolio Manager, Luke Guerrero. |
| 0:33.8 | Good afternoon, fellow investors, and welcome back to our Monday, January 12th, 2026 edition of InvestTalk. |
| 0:42.3 | My name is Lou Guerrero, and I'll be with you over the next 55 minutes as we dissect |
| 0:47.8 | what's going down in the markets in early January. But you know this. You are not new to this. Here at InvestTalk, we have one |
| 0:57.3 | goal and you come with us each and every day on this journey to become a better and more informed |
| 1:04.8 | investor. Each and every program, we bring you educational material, action items, warnings, risks, news, |
| 1:14.9 | and you contribute as well with your finance and investment questions. |
| 1:20.8 | That being said, in just a bit, we'll talk about today's market performance and run down those show topics. |
| 1:26.8 | But let's start by tackling this caller question |
| 1:28.8 | now. Hi, Luke and Justin. This is Jane from New York. I'm calling in to ask about Micron |
| 1:33.7 | technologies, ticker MU. It's been on a very, very strong uptrend, and it's gained a lot in the last |
| 1:40.3 | couple of months. I'm wondering, is it overbought? Is it overvalued right now? Is it time to |
| 1:45.5 | take some profit? Or just keep letting it run? Thank you. I want to listen to your answer on the show. |
| 1:50.8 | Thank you. Have a great day. Micron Technologies, ticker M.U. Is a name that we've held on and off |
| 1:57.0 | for clients over the years. It is a leading U.S. semiconductor company. So what they do is |
| 2:04.0 | they design and manufacture memory and storage solutions, including Dram and Nan Flash. |
| 2:10.8 | And so recently, it's been doing pretty well. Year to date, it's up 21.18%. Year to date, |
| 2:17.2 | I mean, we're barely into this thing. Over the past three months, it's up 21.18%. Year to date. I mean, we're barely into this thing. Over the past |
| 2:19.8 | three months, it's up 90.46, up 248% over the past 52 weeks. And the reason is, well, because of the |
| 2:28.8 | demand for memory. Now, historically, these names tend to be very volatile. Why? Because semiconductors move on a pretty |
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