How to Buy a Home in 2026 w/ MG The Mortgage Guy
Earn Your Leisure
iHeartPodcasts
4.9 • 7.9K Ratings
🗓️ 21 January 2026
⏱️ 41 minutes
🧾️ Download transcript
Summary
Welcome back to Market Mondays In this insightful clip, Troy Millings sits down with Matt Garland—better known as MG the Mortgage Guy—to unpack the biggest trends, myths, and strategies shaping the 2026 real estate landscape.
MG the Mortgage Guy drops gems you won’t hear anywhere else about home ownership, interest rates, economic shifts, and how anyone—regardless of starting point—can build generational wealth through smart real estate moves. From debunking the internet “housing crash” rumors to revealing why now is one of the best times to buy, MG gives his unfiltered, expert perspective after 23 years in the mortgage industry.
Highlights in this clip:
- Why a housing crash isn’t coming (and who benefits from these rumors)
- The truth about interest rates, government policies, and what buyers can expect heading into 2026 and 2027
- Game-changing down payment assistance programs, ADU options, and how new loan rules can help buyers qualify in expensive cities
- The power of group buying, family compounds, and multi-generational living to get on the property ladder
- Controversial advice about renting vs. buying your own home (and why it’s not “either/or” for Black and Brown communities seeking wealth)
- Why listening to real estate “gurus” could cost you your shot at generational wealth
Plus, Troy and MG discuss the critical mindset shifts, planning strategies, and simple hacks to thrive—whether you’re a first-time buyer or looking to scale up your real estate investments. MG addresses common mistakes high income earners and entrepreneurs make, and why a solid “mortgage plan” is your secret weapon.
Ready to turn knowledge into action? Hit play and take notes, because this clip might change how you approach real estate forever.
Don’t forget to like, comment, and subscribe for more unfiltered convos and wealth-building wisdom!
**#RealEstate2026 #HomebuyingTips #MortgageAdvice #BlackOutPodcast #MGMortgageGuy #TroyMillings #GenerationalWealth #FinancialLiteracy #InterestRates #InvestFest #EarnYourLeisure #HousingMarket #ADU #DownPaymentAssistance #GroupBuying #FamilyCompound #BlackWealth #EconomicEmpowerment #SmartMoneyMoves**
See omnystudio.com/listener for privacy information.
Transcript
Click on a timestamp to play from that location
| 0:00.0 | This is an IHeart podcast. Guaranteed human. |
| 0:04.6 | Earners, what's up? |
| 0:05.5 | You ever walk into a small business and everything just works? |
| 0:08.7 | Like the checkout is fast. |
| 0:10.3 | The receipts are digital. |
| 0:11.9 | Tipping is a breeze. |
| 0:13.8 | And you're out the door before the line even builds. |
| 0:16.2 | Odds are they're using Square. |
| 0:18.9 | We love supporting businesses that run on Square because it just feels seamless, |
| 0:22.8 | whether it's a local coffee shop, a vendor at a pop-up market, or even one of our merch partners. |
| 0:28.4 | Square makes it easy for them to take payments, manage inventory, and run their business with confidence, |
| 0:34.1 | all from one simple system. One of the things we love mostly seeing neighborhood |
| 0:38.8 | businesses level up. There's this West Indian spot right in our community that started with a small |
| 0:44.0 | takeout counter. Now with Square, they've been able to expand into a full sit-down restaurant and even |
| 0:49.8 | started catering events across the city. That's the kind of growth that inspires us, and it's |
| 0:55.4 | powered by Square. Square is built for all types of businesses, from the corner bagel shop that turned |
| 1:01.2 | into a local chain, to the specialty market with thousands of unique items, to the stylist |
| 1:06.5 | who's been holding you down for years. If you're a business owner or even just thinking about launching |
| 1:11.7 | something soon, Square is hands down one of the best tools out there to help you start, run, and grow. |
| 1:18.3 | It's not just about payments. It's about giving you time back so you can focus on what matters most. |
| 1:24.1 | Ready to see how Square can transform your business. Visit square.com backslash |
| 1:29.1 | go backslash EYL to learn more. That's square.com backslash go backslash EYL. Don't wait. |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from iHeartPodcasts, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of iHeartPodcasts and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2026.