Will the housing market crash in 2026? Are mortgage rates going down? Should you buy a house now or wait? In this housing market update, Adam Rose breaks down home prices, mortgage rates, housing inventory, and whether a housing bubble is forming. In this episode of The Mortgage Guy Podcast, Adam Rose, President & Senior Loan Officer at Western Ohio Mortgage, breaks down the current housing market and answers one of the most common questions from homebuyers: "Should I wait for a housing crash before buying a home?" With affordability challenges, elevated mortgage rates, rising rents, and ongoing economic uncertainty, many buyers are sitting on the sidelines waiting for the perfect opportunity. But history shows that trying to time the real estate market can be costly. In This Episode: ✅ Will the housing market crash in 2026? ✅ Is there a housing bubble today? ✅ Why the 2026 housing market is different from 2008 ✅ Current mortgage rate trends and forecasts ✅ Housing inventory shortages and supply-demand issues ✅ The real cost of waiting to buy a home ✅ Why home prices may continue rising ✅ Should first-time homebuyers buy now or wait? ✅ The impact of refinancing when rates eventually fall ✅ National housing market vs. local real estate markets 00:00 Introduction 01:12 Is a Housing Market Crash Coming? 03:45 Why 2026 Isn't 2008 08:10 Housing Inventory Explained 12:20 Supply vs Demand 16:05 The Cost of Waiting 20:40 Real-Life Buyer Example 24:30 National vs Local Housing Markets 28:15 Should You Buy Now or Wait? 31:00 Final Thoughts Adam also explains why many experts don't expect a repeat of the 2008 housing crash and why today's lending standards, inventory levels, and buyer demand create a very different market environment. Whether you're a first-time homebuyer, move-up buyer, investor, or homeowner considering your next move, this episode will help you understand today's housing market and make a more informed decision. 👇 Connect With Western Ohio Mortgage 🌐 Website: https://www.westernohiomortgage.com 🎙️ Subscribe on YouTube for weekly episodes 📲 Available on Spotify & Apple Podcasts 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 Questions about buying a home or improving your mortgage readiness? Reach out to the team at Western Ohio Mortgage—we're happy to help. 📲 Contact Adam Rose Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301 📞 937-497-9662 📧 arose@westernohiomortgage.com 🌐 www.westernohiomortgage.com 🎧 Listen on Spotify & Apple Podcasts ▶️ Subscribe on YouTube for weekly mortgage insights 📱 TikTok: @the_mtg_guy 📘 Facebook: @TheMortgageGuy24 📸 Instagram: @adam.rose.92102 • Mortgage Rates • Housing Market News • Home Buying Tips • First-Time Homebuyer Advice • Refinancing Strategies • Real Estate Investing • Ohio Mortgage Programs • Housing Market Forecasts