Is Sacramento Real Estate Market Shifting? Rates, Home Insurance, Lawsuits, & 2026 Outlook

Описание: In this episode of the Eastok Real Estate Podcast, we’re joined by Ken McKee from Canopy Mortgage and agent Gintaras Biza to break down the real estate trends shaping the Sacramento housing market.

We cover how the Fed rate cut is affecting mortgage rates, why the market hasn’t dropped even with rates above six percent, and how rising insurance costs are canceling deals across California. We talk about the affordability gap, the lack of starter homes, and whether fall and winter are the best time to buy.

For these and other topics, check out the timestamps below.

00:14 How the Government Shutdown Impacts FHA & VA Loans
01:35 The Fed Cut Rates, and Impact on Mortgages
07:00 Why Hasn’t the Market Crashed with Rates Above 6%?
10:37 2025 Market Highs & Lows
24:39 Is Fall/Winter the Best Time to Buy a House?
27:27 The Home Affordability Crisis (Income vs. Price)
32:56 Rising Insurance Costs Are Now Canceling Transactions
37:11 Why Are Builders Only Making Bigger Homes, Not Starter Homes?
44:44 Renting vs. Buying: A New Formula & The Value of Control
50:50 How AI is Changing the Real Estate Industry
54:40 TikTok Agents vs. Relationship-Based Business
01:03:00 Zillow & Redfin Sued for Steering & Misleading Model Home Ads
01:09:55 Why Everyone Uses Zillow (The Official MLS App is “Terrible”)
01:15:07 DRE Consumer Alert: “We Buy Cash” & Property Flipping Scams
01:20:19 The #1 Type of Mortgage Fraud You Need to Know
01:21:47 What is DSCR (Debt Service Coverage Ratio)?
01:24:09 Client Success Stories of 2025
01:29:20 2026 Real Estate Market Outlook
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News Articles Mentioned
Closed Sales Oct 2025 vs Oct 2021: https://tinyurl.com/2mhcs9kh
Home Ownership Affordability: https://tinyurl.com/4kwnup34
Homeowners Insurance: https://tinyurl.com/mrydxf4u
Speed Tour Trend on TikTok: https://tinyurl.com/4ez632vc
Zillow, Redfin accused of violating antitrust laws: https://tinyurl.com/383a4cxm
DRE Consumer Alert: https://tinyurl.com/4wyupcw2
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Connect with our guests

Ken McKee
Mortgage Planner, Canopy Mortgage
https://tinyurl.com/y4cjn7rf
NMLS ID 305447

Gintaras Biza
Realtor with Eastok Realty
https://tinyurl.com/2x4kj272
DRE 1996547
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Looking to buy or sell a home? I’m here to help.
📞 Call or Text: 916-909-0996
📧 Email: [email protected]
📆 Schedule a Free Consultation: https://calendar.app.google/ASfFucTFd...
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Paul Galushkin | DRE 01909404
Brokerage: Eastok Realty
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