Decoding the 2026 housing market.
The new way to buy a house.
80 percent of homeowners are locked into rates below 6 percent. Insurance is climbing. Most advisors are giving advice from a market that no longer exists. This guide gives you the actual playbook for buying in this market, not the one your last lender prepared for.
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The actual playbook for buying in 2026.
No generic real estate advice. No "consult a professional" filler. Just the specific strategies for the specific market we are in right now.
The 2026 reality check.
The four forces shaping this market: rate lock-in, insurance shock, contingent offer rejection, and the affordability gap. Why old advice fails buyers right now.
The new way to buy.
Five strategies that actually work in this market. The Move-Up Method, no-cost refinance positioning, ARM analysis, rate buydowns, and how to win without writing a contingent offer.
The numbers most advisors hide.
Real examples with real LA dollar figures. What insurance actually costs in different fire zones. How a 200 dollar insurance gap becomes 33,000 dollars of buying power.
Your 90-day path forward.
What to do in your first 30, 60, and 90 days regardless of where you are starting. Pre-approved or just curious, here is your next step.
Most buyers are getting advice that does not match the market.
I have been doing mortgages in Los Angeles since 2015. I have watched four rate cycles, two crisis periods, and the housing market that exists today. The buyers who win in this market are the ones who understand what changed. The ones who lose are following advice that worked five years ago.
This guide is what I would send to a smart friend who was thinking about buying right now. No filler. No upsell. Just the actual playbook.
If you read it and want to talk through your specific situation, the link to my calendar is at the bottom. If not, take what is useful and run with it.
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