🎧 You’re Listening to America’s #1 Daily Real Estate Podcast
With Tim and Julie Harris — coaches to thousands of top-producing agents and top eXp Realty sponsors on the planet. 🌎
If you’re ready to make 2026 your breakthrough year, don’t wait.
This is your chance to partner directly with Tim and Julie.
Let’s go! It’s time for you to upgrade your real estate brokerage experience.
👉 Go now to https://WhyLibertas.com/Harris
or text Tim directly at 512-758-0206.
Opportunity doesn’t wait — and neither should you.
***************
🚨 Most Agents Won’t Survive 2026…
The 2026 real estate market will be a beast. 😱
Most agents will struggle — but the winners already know what works.
Tim & Julie Harris share the exact playbook:
✅ Proven lead generation
✅ Repeatable systems
✅ Branding that makes sellers pick YOU
⚡ No fluff. No BS. Just real coaching built for 2026.
👉 Save your seat now https://HarrisMastermind.com
***************
Welcome back to the Fun Friday Show!
This week the housing world gave us something rare: actual surprises.
Buyers confronted loan terms they didn’t know existed.
Headlines got louder than the data behind them.
States floated big affordability ideas.
And suddenly everyone from first-timers to downsizers started asking:
“Wait… can I really do that?”
If affordability has been the defining challenge of the past year, this week gave us a glimpse of the creative — and sometimes downright unexpected — ways consumers and lenders are trying to solve it.
Let’s break down the stories agents need to understand before the weekend conversations begin.
🔥 You Asked, We Delivered!
Today’s presentation notes, lead generation systems, scripts, and daily action plans — all inside our FREE Daily Newsletter.
Don’t miss it 👉 https://harrisrealestatedaily.com/
1️⃣ The 50-Year Mortgage: A New Affordability Tool, Not a Trap 🏠⏳
The 50-year mortgage made headlines this week. It’s not a miracle product and it’s not a disaster — it’s simply a new affordability tool that changes the monthly math.
⭐ Why buyers care:
A lower monthly payment gives people room to:
- invest
- save
- pay extra principal
- or refinance later
More payment flexibility = stronger cash flow.
💰 Payment Comparison on a $450,000 Home
Loan amount after 20% down = $360,000
Estimated rates:
- 30-yr @ 6.5% → $2,275/mo
- 40-yr @ 6.75% → $2,145/mo
- 50-yr @ 7.0% → $2,095/mo
📉 Savings Compared to the Standard 30-Year
- 30 vs 40: saves about $130/month
- 30 vs 50: saves about $180/month
⭐ Agent Framing:
This isn’t about borrowing forever.
It’s about giving buyers more ways to navigate a high-rate world with monthly affordability in mind.
2️⃣ Portable Mortgages: “Can I Take My Rate With Me?” 🔁🏡
Internationally, this is common.
In the U.S., it’s being talked about — and buyers love the idea.
Losing a 2%–3% mortgage is what keeps many sellers frozen.
Portability solves that psychological — and financial — barrier.
⭐ How it would work:
- Requalification required
- Only the existing balance is portable
- Any extra amount is financed at today’s rate
- Lenders must approve portability (rare today)
📘 Real Example With Math
Homeowner owes $310,000 @ 3.25%
New home price: $500,000
- Ported mortgage payment: $1,350/mo
- Borrow the difference ($190,000 @ 6.5%): $1,200/mo
New combined total:
$2,550/mo vs $3,160/mo if they had to finance the entire purchase at today’s rates.
⭐ Portability savings:
≈ $610/month. Huge affordability advantage.
3️⃣ Foreclosure Headlines vs. Reality 📉📰
The media shouted this week:
“Foreclosures are skyrocketing!”
Yes, they ticked up — but context matters.
As a percentage of the U.S. housing market, foreclosures remain tiny.
We are nowhere near crisis territory.
⭐ Agent Takeaway:
Your job is to translate noise into clarity.
Send clients a quick update:
“Foreclosures are rising, but the market is stable. Here’s what’s really happening.”
This builds trust faster than any ad campaign.
Ready to become an EXPIRED Listing Agent? As promised, here is the discount link for the EXPIRED LISTING LEADS: REDX
4️⃣ Florida’s No-Property-Tax Talk 🏖️💸
Florida floated the idea of eliminating certain property taxes.
It made headlines, made confusion… and then stalled.
Why does it matter?
Because affordability isn’t just about the monthly mortgage — it’s about total cost of ownership.
When taxes, insurance, HOAs, and maintenance rise, affordability drops even when rates stabilize.
⭐ Agent Takeaway:
Bring clients back to the full picture:
“Let’s evaluate not just what it costs to buy this home — but what it costs to keep it.”
5️⃣ Yes — Buyers CAN Get Rates Under 6%… If They Stop Fixating on the 30-Year Fixed 🔍📉
There is no single mortgage rate — there are dozens.
⭐ Ways buyers get under 6%:
- ARMs (5/6, 7/6, 10/6)
- Fixed for 5, 7, or 10 years
- Lower intro rates (0.5–1% lower)
- 2-1 and 3-2-1 buydowns
- New construction incentives — often 4%–5%
- Permanent buydowns
- Jumbo programs
- Credit union specials
- Portfolio & non-QM loans
Sub-6% and even sub-5% rates are very common right now.
⭐ Agent Takeaway:
The smartest thing you may say all weekend:
“There ARE ways to get your rate under 6%. Let’s talk about what fits you best.”
🎤 CONCLUSION
This week proved one thing:
Affordability isn’t dead — it’s diversifying.
Extended loan terms, rate portability, rate buydowns, incentive programs, and tax proposals all point to one truth:
Buyers have more options than the headlines suggest.
Your role as a real estate professional is to be the person who says:
“Let me show you the options you didn’t even know existed.”
In a market full of confusion, clarity is your competitive advantage.
If you want help mastering conversations like these — mortgages, affordability, headlines vs. reality, and client communication — this is exactly what we teach every day at:
👉 https://PremierCoaching.com
👉 https://HarrisMastermind.com
You don’t have to navigate a shifting market alone.
Plug into a coaching system built for agents who want to thrive — not wait.
