3 Percent Rates Aren't Coming Back - Here's What To Do Instead

Mortgage rates, home buying myths, and real estate market truth in 2026 — are buyers delusional about 3% interest rates? Brian Quinlan and Brad Niccum break down shocking survey data showing 94% of buyers would walk away if rates don’t drop below 6%. In this episode of Indiana Success Happy Hour, Brian and Brad unpack the reality of today’s housing market, mortgage rates, and why waiting for 3% interest rates could cost you long-term wealth. They explain why focusing on monthly payment matters more than obsessing over rates — and how historical averages tell a very different story than what buyers expect. Plus, they go off-script (as usual) talking conspiracy theories, government cheese, podcast life after 120+ episodes, Brian’s daughter’s engagement, and why the show has evolved beyond just real estate. If you’re thinking about buying a home in Indiana — or anywhere — this conversation will challenge how you think about mortgage rates and affordability. Want to be featured on the show? Drop a comment and tell us your Indiana success story. Cheers