Soar Financially, Released on 1/14/26 (Recorded on 1/13/26)

Melody Wright explains why lower mortgage rates won’t save housing, why inventory is piling up, and why foreclosures could surge into 2026. If you’re buying, waiting, or investing.

00:00 – Housing inflation & CPI reality
01:14 – How cold the housing market really is
02:46 – Price cuts, weak demand & excess supply
04:00 – Crisis or slowdown?
05:15 – Trump’s $200B MBS plan
06:57 – Why lower rates won’t save housing
08:45 – Who really controls mortgage rates
10:40 – Credit tightening & debt stress
13:27 – Delinquencies, rejections & foreclosures
16:52 – Why 2026 matters
18:16 – Investors, institutions & policy risk
20:09 – Shadow inventory explained
22:53 – Buying a home in 2026
24:37 – Best & worst housing markets
27:03 – Final thoughts

Melody Wright is an analyst in real estate, macro, and technology. She began her mortgage career at GMAC ResCap (RFC) in 2006 and helped manage the historic ResCap bankruptcy. After leaving ResCap and before joining the FInTech revolution, she focused on operational effectiveness at multiple large, nonbank servicers. A BFSI industry veteran, Melody currently focuses on mortgage FinTech and macroeconomics, working hand-in-hand with clients to design and implement integrative solutions in mortgage origination and servicing that will be successful amidst the ever-evolving economic landscape. She publishes the M3_Melody Substack.

  economy, federal reserve, housing, Melody Wright, real estate