Rants and Gems #159 Fed Rate Cut AGAIN, Mortgage Rate Reaction, & Redfin’s Heating-Up Markets
Rants & Gems Real Estate Podcast
EYL Network
4.9 • 1.3K Ratings
🗓️ 11 December 2025
⏱️ 42 minutes
🧾️ Download transcript
Summary
The Fed just cut rates another 0.25% — but the real story isn’t the rate cut.
Today the Federal Reserve quietly signaled the start of a MAJOR shift that’s about to shape the 2026 housing market, mortgage rates, and your ability to buy real estate.
In this livestream, MG The Mortgage Guy breaks down:
🔥 What really happened to mortgage rates TODAY after the Fed announcement
🔥 Why the Fed’s new economic projections matter for 2026 buyers
🔥 The $40B Treasury purchase program the media is ignoring (QE-Lite)
🔥 How rising unemployment & cooling inflation push mortgage rates even lower
🔥 2026 Fannie Mae loan limit increases & what they mean for your buying power
🔥 Redfin’s list of the hottest housing markets for 2026 — and the ones cooling down
🔥 What smart buyers & investors should do BEFORE rates hit the 5’s
If you want to buy a home, invest, or position yourself for the next real estate cycle… this is REQUIRED watch.
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Transcript
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| 0:00.0 | Ladies and gentlemen, ladies and gentlemen, welcome back to another episode of Rans and Jim's Live, Matt Garland, NMLS, number 5-8-7-00, but better known as M-G-the-Mortgage Guy. |
| 0:14.9 | We are live. We are blessed. Thank God for another day. |
| 0:19.6 | It's your first time here. type first time in the chat, |
| 0:22.4 | hit the bell for notifications because you never know when I'm going live. So today was a big day, |
| 0:28.4 | ladies and gentlemen, okay? A big day in the world of money, mortgages and real estate. |
| 0:34.6 | The feds just cut rates again, another 25%. |
| 0:38.4 | And a lot of people out there are really just talking about the mainstream stuff, right? |
| 0:45.0 | The headlines, the big headline, Fed cuts rates again. |
| 0:48.8 | But that's only half the story. |
| 0:50.5 | Today we're going to talk about it, right? |
| 0:52.1 | I'm going to break down to you. |
| 0:53.6 | What really happened |
| 0:55.0 | what mortgage rates today what this means for everybody who's looking to buy real estate in 2026 |
| 1:00.9 | and why certain cities are about to explode and how you know a couple weeks ago they came out |
| 1:09.6 | they've raised the loan limits right we're going to go |
| 1:12.5 | through that as well it's going to give you more buying power and everything so watch this to the end |
| 1:18.4 | man there's going to be a lot of information um in this i hope some of you got your pin and paths because |
| 1:22.9 | this is going to impact a lot of you who can hear my voice right now. |
| 1:29.1 | So let's get into it. |
| 1:31.0 | The feds cut the rate to another quarter of point. |
| 1:33.0 | Like I said, what does that actually mean? |
| 1:35.6 | Okay, so first things first, ladies and gentlemen, when the feds cut federal funds rate, |
... |
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