Mortgage Expert Explains Why Home...

Mortgage Expert Explains Why Home Prices Won’t Crash

Real Estate Rock Stars with Justin Nimergood by Justin Nimergood

S1 · E1

Apr 3, 2026

23:13

Episode notes

The housing market isn’t crashing—but the real problem may be even harder to solve: there simply aren’t enough homes.

🎙️ INSIDE THIS EPISODE

In Episode 1 of Real Estate Rock Stars, host Justin Nimergood sits down with Dallas mortgage leader Ryan Schmid to discuss how limited housing inventory is affecting home prices, buyers, and the future of mortgage lending.

Having helped more than 750 families and originated over $250 million in mortgage volume, Ryan explains why waiting for prices to return to pre-pandemic levels may not be realistic, what potential changes involving Fannie Mae and Freddie Mac could mean for lending, and why buyers need more than a basic pre-approval.

💡 In this episode, you’ll learn:

Why limited housing inventory continues to keep prices elevated
Why waiting for pre-pandemic home prices may not be an effective strategy
How changes involving Fannie Mae and Freddie Mac could affect mortgage lending
Why self-employed borrowers often face additional financing challenges
Why buyer education matters beyond simply getting pre-approved
How daily discipline helped Ryan build a successful mortgage career

If you are trying to navigate today’s housing market, this conversation will help you better understand the forces influencing inventory, affordability, and mortgage financing.

🔗 CONNECT WITH RYAN SCHMID

Website: https://ryanschmidmortgage.com/

Neighborhood Loans Profile: https://neighborhoodloans.com/ryan-schmid/

Instagram: https://www.instagram.com/neighborhoodloanstx/

LinkedIn: https://www.linkedin.com/company/neighborhood-loans

Zillow Reviews: https://www.zillow.com/lender-profile/rschmid73/

🎧 CONNECT WITH REAL ESTATE ROCK STARS / JUSTIN NIMERGOOD

Real Estate Rock Stars: https://linktr.ee/realestaterockstarspodcast

Justin Nimergood: https://linktr.ee/nimergoodrealestate

⭐ Follow Real Estate Rock Stars and share this episode with a buyer or real estate professional who wants to better understand today’s housing and mortgage market.