The Truth About the Housing Crash: Is It Coming in 2026? | Ep. 62

A viral video claims 2 million viewers that the housing market is about to crash — but almost none of what it predicts is actually happening. Here's what the data really shows. In this episode of The Mortgage 101 Podcast, Manley & Anthony break down why the "housing crash" narrative is emotionally satisfying but not backed by the numbers — and why waiting for a crash or a rate drop could be the most expensive decision you make this year. They cover home price-to-income ratios at record highs, why inflation cooling isn't the same as inflation reversing, what the Fed's latest rate decision really means for mortgage rates, and the real math behind renting-while-waiting vs. buying now. If you've been sitting on the sidelines waiting for "the right time" to buy, this episode shows you exactly what that wait is costing you. 📞 This week's action step: Get pre-approved — not to buy tomorrow, but to know your actual buying power. 00:00 Intro — the viral crash video everyone believes 00:25 Why people are genuinely scared right now 01:13 The crash narrative everyone's repeating 02:04 When home prices actually fell last (2011-2012) 02:59 Do builder incentives signal a crash? 03:54 Why every 2026 rate forecast has been wrong 05:02 The real cost of waiting for rates to drop 05:43 Can people actually afford homes right now? 06:28 Price-to-income ratio hits an all-time high 07:28 Inflation cooling vs. inflation reversing 08:28 Will home prices go up or down? 08:59 What happens when demand actually breaks 09:53 What a real housing crash requires 10:44 The real numbers: what waiting costs you 12:04 Rent vs. equity — the math nobody shows you 13:24 Optionality: why owners have control and renters don't 14:34 The Fed holds rates steady — what it means 15:57 Where mortgage rates are really headed next 17:14 What this all means for you 18:09 This week's action step: get pre-approved 📲 Subscribe for weekly mortgage & housing market breakdowns with Manley & Anthony. Subscribe to Yo

Added 4 Jul 2026