Quick, plain-English takes on mortgage rates, the housing market, refinancing and reverse mortgages from Russell McDonald and the team at Wymac Capital. New videos are added regularly. Subscribe on YouTube.
February 4, 2026
This Is Not a Strong Jobs Market
ADP says private companies added just 22,000 jobs in January, less than half of expectations. Nearly all job growth came from education and health services, masking weakness elsewhere. With the government jobs report…
February 3, 2026
Why We Cannot Build Enough Homes
The housing crisis is not just about interest rates. It is about a massive shortage of skilled workers needed to build homes. Until we fix the labor pipeline and remove barriers to building, affordability and supply…
February 2, 2026
Why There Is No Jobs Report Right Now
The jobs report was supposed to bring clarity, but instead it was delayed because of a government shutdown. No data, no transparency, and markets left guessing. When economic numbers disappear, uncertainty takes over…
February 2, 2026
Buyers Are Finally Gaining the Upper Hand
Buyers are quietly regaining leverage in today’s housing market, but most people still do not understand where that advantage actually shows up. More price cuts, more concessions, and more deals closing below asking…
January 30, 2026
Inflation Headline Missed the Real Story
Producer prices came in hotter than expected, but markets barely reacted. The increase was driven by services margins, not broad goods inflation, which is why mortgage markets looked through the headline.
January 30, 2026
The FED Just Entered a NEW Era
Trump just nominated Kevin Warsh to replace Jerome Powell as Fed chair. Markets are calm for now, but leadership changes at the Fed matter over time, especially when independence is under pressure.
January 28, 2026
The FED Did NOTHING Again
The Fed held interest rates steady again, but that does not mean affordability improves. Mortgage rates, credit cards, and auto loans are still under pressure, and waiting for clear relief could be a mistake.
January 28, 2026
HOMEbuyers Are Suddenly Walking Away?
Homebuyers are backing out of deals at the fastest pace in nearly a decade. With sellers now far outnumbering buyers, leverage is shifting and patience is replacing panic.
January 27, 2026
The Most Buyer Friendly Housing Markets for 2026
Zillow just ranked the most buyer-friendly housing markets for 2026, and the top spots are not coastal cities. If you can work remotely and stay flexible on location, these markets deserve a serious look.
January 27, 2026
Consumer Confidence Has Just COMPLETELY Collapsed
Consumer confidence just plunged to the lowest level since 2014 as job optimism fades. Weak sentiment often signals slower growth ahead, and that can put downward pressure on mortgage rates over time.
January 22, 2026
Are INFLATION Headlines Telling The Whole Story?
The PCE headline makes inflation look stuck, but the trend is moving lower. The three-month run rate is near 2.2 percent, and hotter months are rolling out of the data. Growth is holding up without overheating.
January 21, 2026
Institutional Investors Are Not the Real Housing Problem
Institutional investors own a small share of single family homes nationwide, but in certain local markets their impact feels much bigger. Corporate landlords tend to raise rents more aggressively, which drives real…
Russell McDonald | NMLS 290837 | Broker CA DRE 01150730
Wymac Capital Inc | NMLS 18766 | Broker CA DRE 01121628
Real Estate Broker – CA Dept of Real Estate