Everyone keeps asking the same question. Will mortgage rates return to 3%? Don’t count on it, according to Dr. Lawrence Yun, chief economist at the National Association of Realtors. At least not right away.
Inflation, the national debt, oil prices, global conflict, consumer confidence — on this episode of Real Estate Insiders Unfiltered, Yoon breaks down what’s really going on in the economy.
Yun reveals why interest rates may remain higher than many expected, what that means for home sales, and how agents should think about the market in 2026.
If you’re waiting for the market to return to normal, this episode will reset your expectations.
highlights
Dr. Yun explains how the rise in government debt is putting pressure on mortgage rates, limiting how far they can realistically go down even if inflation cools.
This conversation details:
Why mortgage rates are unlikely to return to 3% How government debt affects interest rates How rising oil prices affect housing The reality behind today’s “K-shaped” economy Why consumer confidence is at historic lows
We’ll also discuss an important mindset shift to stop waiting for the market to change. Start understanding the market you’re in. This is because agents who can win in this environment do not want interest rates to fall. They will be those who know how to navigate higher things.
Connect with Dr. Lawrence Yun on LinkedIn.
Real Estate Insiders Unfiltered is currently available exclusively on Inman. Enjoy agent and team-focused content every Monday and leadership interviews every Wednesday. Listen on Apple or Spotify.
James Dwiggins is co-CEO of NextHome, Inc. and co-host of Real Estate Insiders Unfiltered.
Keith Robinson is co-CEO of NextHome, Inc. and co-host of Real Estate Insiders Unfiltered.
Follow the Real Estate Insiders Unfiltered podcast on Instagram, YouTube, Facebook, or TikTok and subscribe to our YouTube channel.
