When you apply for a mortgage and your credit is pulled, that data has historically been sold as a “trigger lead.”

That’s why many borrowers received dozens of calls within minutes.

Starting March 5:

• Credit bureaus can no longer sell trigger leads

• Your lender can still contact you

• Your current servicer may also reach out

The mass call flood should stop.

Just remember: online forms and third-party sites can still resell your information, so where you click still matters.

Current housing data suggests a move toward 5% could release pent-up demand. The setup: •162M+ Americans employed

•Five generations of buyers
•Inventory remains constrained
•Transaction volume has been rate-suppressed

If financing costs decline meaningfully, demand may re-engage.

How would your strategy change if that occurs?

Kevin Warsh has officially been nominated to replace Jerome Powell as Federal Reserve Chairman and the big question now is what this means for interest rates, mortgage rates, housing, and the broader economy.

In this episode, we cut through the political noise and focus on what actually matters for borrowers and investors.

I break down who Kevin Warsh is, his background at the Federal Reserve, and whether he is likely to lean more hawkish or dovish. More importantly, we discuss why the bond market reaction matters more than headlines and how the 10 year Treasury ultimately drives mortgage rates.

We also cover:

How jobs, inflation, and consumer spending will determine future rate cuts
Why small businesses are struggling despite strong economic data
The difference between Fed rate cuts and mortgage rate movements
Other policy levers that could bring mortgage rates down beyond the Fed
Why affordability not politics is the real issue heading into 2026

If you are a homebuyer, investor, homeowner, or self employed borrower, understanding how this leadership transition could impact rates is critical. Mortgage markets respond to data, confidence, and forward guidance not just announcements.

As we move deeper into 2026, the real drivers will be the labor market, consumer strength, inflation trends, and bond market belief. That is where the focus should be.