How to Buy a Home in 2026 w/ MG The Mortgage Guy

Jan 21, 2026

In a captivating discussion, Matt Garland, a seasoned mortgage professional with over 23 years of experience, shares crucial insights on the real estate landscape for 2026. He debunks myths about an impending housing crash and argues why now is a favorable time to buy. MG highlights innovative strategies like down payment assistance and the benefits of multi-generational living. He emphasizes the importance of ownership in building wealth, particularly for Black and Brown communities, and warns against the pitfalls of listening to unreliable real estate gurus.

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INSIGHT

No National Housing Crash Coming

Matt Garland argues a housing crash is unlikely due to low inventory and long-term compounded appreciation.
Even slow annual appreciation still compounds and benefits homeowners over time.

INSIGHT

Rates Falling As The Fed Eases

Garland says the Fed already resumed buying treasuries and rates have fallen from year-ago highs.
He expects mortgage rates to drift into the high 4s–low 5s by 2027 if easing continues.

ADVICE

Buy Only When You Can Afford It

Buy real estate when you can truly afford it and plan five years ahead for taxes, insurance, and maintenance.
Negotiate aggressively and avoid buying at retail market prices when possible.

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Welcome back to Market Mondays In this insightful clip, Troy Millings sits down with Matt Garland—better known as MG the Mortgage Guy—to unpack the biggest trends, myths, and strategies shaping the 2026 real estate landscape.

MG the Mortgage Guy drops gems you won’t hear anywhere else about home ownership, interest rates, economic shifts, and how anyone—regardless of starting point—can build generational wealth through smart real estate moves. From debunking the internet “housing crash” rumors to revealing why now is one of the best times to buy, MG gives his unfiltered, expert perspective after 23 years in the mortgage industry.

Highlights in this clip:
- Why a housing crash isn’t coming (and who benefits from these rumors)
- The truth about interest rates, government policies, and what buyers can expect heading into 2026 and 2027
- Game-changing down payment assistance programs, ADU options, and how new loan rules can help buyers qualify in expensive cities
- The power of group buying, family compounds, and multi-generational living to get on the property ladder
- Controversial advice about renting vs. buying your own home (and why it’s not “either/or” for Black and Brown communities seeking wealth)
- Why listening to real estate “gurus” could cost you your shot at generational wealth

Plus, Troy and MG discuss the critical mindset shifts, planning strategies, and simple hacks to thrive—whether you’re a first-time buyer or looking to scale up your real estate investments. MG addresses common mistakes high income earners and entrepreneurs make, and why a solid “mortgage plan” is your secret weapon.

Ready to turn knowledge into action? Hit play and take notes, because this clip might change how you approach real estate forever.

Don’t forget to like, comment, and subscribe for more unfiltered convos and wealth-building wisdom!

**#RealEstate2026 #HomebuyingTips #MortgageAdvice #BlackOutPodcast #MGMortgageGuy #TroyMillings #GenerationalWealth #FinancialLiteracy #InterestRates #InvestFest #EarnYourLeisure #HousingMarket #ADU #DownPaymentAssistance #GroupBuying #FamilyCompound #BlackWealth #EconomicEmpowerment #SmartMoneyMoves**

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