What's going on, everyone? Welcome to Real Talk, Real Estate. I'm David Green. He's Christian

Bachelord, and this is Mortgage Monday. So glad you could join us today. There's a lot of activity

going on in the mortgage market that we haven't seen for freaking a year or two now. It's been kind of

just bad news every single week, and now we're getting a glimmer of hope that things are getting

better.

Christian, how has things going on your end?

It's good. I mean, we definitely have a surge in applications.

You know, we kind of have a very healthy stream of, you know, investors find ways to make properties work in every market. It always surprised me. You know, we had people buying, you know,

as high as 9% rates when we absolutely peaked about a year ago. There's still opportunities out there. There's still value

ad. There's still, you know, all the different ways that David talks about in his book and how to

make money in real estate, whether you're buying equity, forcing equity. But deals definitely get

easier, the lower rates go.

When you lower your cost of borrowing, everything else kind of falls into place just that much easier.

So I think we're having some much-needed cracks in the space.

Fed has finally pivoted their strategy.

We're talking about some quantitative tightening coming back in, which I have various

different opinions of. But overall, I think the American economy, the American home buyer,

the American consumer, we need some relief and interest rates. And the good news is that we're

getting them, right? Rates have come down quite a bit since the beginning of the year. And they are projected to continue kind of trickling down as we

move into 2026. All right. And we are going to talk about that today. This comes from Newsweek.

Former Treasury Secretary issues a mortgage warning, unsustainable. We get new news every single week. The growing national deficit could

soon lead to a dramatic spike in mortgage rates unless federal revenues catch up with

...