Mortgage rates are haunted by a $37 trillion U.S. debt, and it’s reshaping the housing market in ways every Realtor should understand. In this week’s Texas Real Estate Market Update, Mike Mills breaks down how government borrowing, gold revaluation, and the Fed’s “rate-cut trap” are driving affordability—and what smart agents can do about it.
You’ll learn:
✅ Why national debt keeps mortgage rates stubbornly high
✅ How gold revaluation and stablecoins may secretly fund the Treasury
✅ What the “Rate Cut Trap” means for your buyers and sellers
✅ Which Texas markets are shifting—Austin ↓, DFW ⇢ buyer’s market, San Antonio ↑
✅ How to use AI tools for Realtors to manage deals faster and stand out in 2025
Whether you’re explaining rate changes to clients or planning your next quarter, this episode helps you master both real-estate finance and AI integration to future-proof your business.
🎯 Key Timestamps
00:00 – Debt, gold, and haunted mortgage rates
02:30 – Why $37 trillion debt drives yields & housing costs
07:00 – Buyer strategy: act before rates drop
08:00 – Texas housing snapshot: Austin ↓ | DFW ⇢ | San Antonio ↑
12:00 – AI tools every Realtor needs in 2025
22:00 – Final thoughts + Realtor action plan
Mortgage rates and debt, Texas housing update, Realtor AI tools, real estate finance tips, U.S. debt crisis 2025, gold revaluation plan, stablecoin bond demand, rate cut trap, Texas mortgage trends, buyer concessions strategy
🔗 Resources
Podcast Website → https://www.thetexasrealestateandfinancepodcast.com
Linktree (All Links + Contact) → https://linktr.ee/mikemillsmortgage
Service First Mortgage → https://www.millsteammortgage.com
Related Episodes:
• Realtor Strategies for Falling Rates → www.thetexasrealestateandfinancepodcast.com/realtor-strategies-falling-rates
• Mortgage Rate Forecasting 2025 → www.thetexasrealestateandfinancepodcast.com/mortgage-rate-forecasting
If you found this helpful, hit Subscribe, tap the 🔔, and share with another Realtor who needs to understand the truth about mortgage rates and debt.
Comment below: What’s your prediction for rates in 2025?
