Interest Rates Are Changing Behavior, Not Demand
Sun Feb 01 2026
This episode continues the conversation on how today’s interest rate environment is shaping buyer and seller decisions—especially at higher price points.
Buyers have not disappeared. They are moving with discipline. Sellers are being asked to meet the market with accuracy. This episode focuses on how real buying power is evaluated, how necessity transactions are driving activity, and how to read the data correctly.
Episode timestamps:
2:48 – How buyers are running their numbers more carefullyNecessity transactions versus FOMO-driven decisions, and why discipline has replaced urgency.
6:50 – Sacramento home sales: November 2025 vs December 2025Why more homes sold in December than November, what longer Days on Market actually means, and how buyer behavior explains the shift.
9:48 – COVID-era rates: then and nowHow the low-rate environment of 2020 reshaped equity, affordability, and inventory—and why its impact still matters today.
13:18 – Market reaction to Donald Trump’s January 8 statement on mortgage bondsThe brief lift in agency MBS prices following calls for Fannie Mae and Freddie Mac to purchase $200 billion in mortgage-backed securities, why analysts viewed the move as modest, and how subsequent market volatility erased those gains.
18:09 – How rates are changing high-end buyer behaviorPayment sensitivity, structure, and why higher-price buyers are prioritizing flexibility and long-term alignment.
22:53 – A special note to high-end sellersPricing accuracy, buyer expectations, and how to position properly in a disciplined market.
25:50 – Finance tools for the high-end buyerConsiderations for business owners, investors, and buyers with complex income or tax structures.
This episode is designed to provide context, not commentary. The goal is better decisions through clearer interpretation of the market signals.
🎧 Available now wherever you listen to podcasts.
#SellingSacramento #MarketReality #SacramentoHousing #MarketClarity #RealEstateEconomics #HousingStrategy #FromLandToLegacy
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This episode continues the conversation on how today’s interest rate environment is shaping buyer and seller decisions—especially at higher price points. Buyers have not disappeared. They are moving with discipline. Sellers are being asked to meet the market with accuracy. This episode focuses on how real buying power is evaluated, how necessity transactions are driving activity, and how to read the data correctly. Episode timestamps: 2:48 – How buyers are running their numbers more carefullyNecessity transactions versus FOMO-driven decisions, and why discipline has replaced urgency. 6:50 – Sacramento home sales: November 2025 vs December 2025Why more homes sold in December than November, what longer Days on Market actually means, and how buyer behavior explains the shift. 9:48 – COVID-era rates: then and nowHow the low-rate environment of 2020 reshaped equity, affordability, and inventory—and why its impact still matters today. 13:18 – Market reaction to Donald Trump’s January 8 statement on mortgage bondsThe brief lift in agency MBS prices following calls for Fannie Mae and Freddie Mac to purchase $200 billion in mortgage-backed securities, why analysts viewed the move as modest, and how subsequent market volatility erased those gains. 18:09 – How rates are changing high-end buyer behaviorPayment sensitivity, structure, and why higher-price buyers are prioritizing flexibility and long-term alignment. 22:53 – A special note to high-end sellersPricing accuracy, buyer expectations, and how to position properly in a disciplined market. 25:50 – Finance tools for the high-end buyerConsiderations for business owners, investors, and buyers with complex income or tax structures. This episode is designed to provide context, not commentary. The goal is better decisions through clearer interpretation of the market signals. 🎧 Available now wherever you listen to podcasts. #SellingSacramento #MarketReality #SacramentoHousing #MarketClarity #RealEstateEconomics #HousingStrategy #FromLandToLegacy