Why Buying at Higher Rates Can Beat Waiting for Lower Ones (Ep. 05)

Описание: Mortgage rates are moving again…
But are you about to make a decision that costs you years of equity?

In this episode of RESWealthy Talk, Brian Erhahon and Mercedes Erhahon break down what’s really happening with mortgage rates, refinancing opportunities, inflation pressure, and the red flags buyers and sellers must watch for in today’s 2026 market.

You’ll hear the real-life “Buyer A vs Buyer B” example that shows why waiting for lower rates can still cost you more than you think… and how smart homeowners use appreciation and refinancing to reposition.

You’ll also learn what bad agents do that quietly costs clients money—especially with pricing, solar contracts, HOAs, and negotiations.

Brian & Mercedes and the RESWealthy Team for personalized home buying or selling support.
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Timestamps
00:00 Welcome to RESWealthy Talk
00:35 Mortgage rates in January 2026: what we’re seeing
02:05 Why mortgage-backed securities and headlines move rates
03:25 FHA vs conventional: why rates price differently
04:40 The cost of waiting: Buyer A vs Buyer B (real numbers)
07:15 Appreciation + equity: the piece most buyers miss
09:05 Refinance strategy: when it helps and when it doesn’t
11:10 How homeownership protects your cost of living
13:00 Inflation, assets, and the Jerry Buss real estate lesson
15:10 Bad agent red flags: overpricing and stale listings
18:10 Solar contracts, HOAs, and why deals fall apart
20:20 Negotiation basics: repairs, credits, price reductions
22:15 The bottom line for buyers, sellers, and trade-up moves
23:30 How to get guidance from RESWealthy


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