Barry Habib on Mortgage Rates, the Fed, and What’s Coming Next

In this must-watch interview, market legend Barry Habib joins me for a wide-ranging conversation on the future of mortgage rates, Fed policy, and what it all means for our industry. Barry, founder of MBS Highway and a Fannie Mae board member, shares his take on why we’re heading into a golden window of opportunity—especially for loan officers who’ve weathered the storm. We also talk about his work at Fannie Mae, where he’s shaping big-picture housing finance strategy. If you’re wondering what’s next for rates, refis, and real estate, Barry’s forecast is your roadmap.

Exclusive Interview with Barry Habib

In this powerhouse podcast episode, Barry Habib delivers an unfiltered look at today’s mortgage landscape. He explains how inflation data, bond market behavior, and central bank reactions are converging to shape the path for mortgage rates—and what that means for loan originators and homebuyers.

We also explore Barry’s role at Fannie Mae, where he’s contributing to critical housing finance strategies that will impact both policy and industry innovation for years to come. His unique vantage point offers invaluable insights for those navigating today’s unpredictable market.

Most importantly, Barry shares why loan officers who are still standing after this challenging cycle are poised for massive success in the next one. It’s a motivating message full of clarity, strategy, and optimism. Don’t miss it.


Visit MBSHighway.com for daily market insights from Barry and his team.

Loan Officer Perspective

Barry’s message is clear: this isn’t a time to retreat—it’s a time to prepare. Rates are likely to trend downward, and when they do, opportunities for refis, move-up buyers, and savvy investors will explode. Use this time to build relationships, sharpen your tools, and stay informed.

Frank’s Thoughts

Man, what a privilege to sit down with Barry Habib. This guy doesn’t just talk about markets—he calls them. And he’s calling for opportunity ahead, especially for those of us who’ve stayed the course during the toughest cycle in years.

Barry reminded me that while rates and headlines shift, what really matters is your daily consistency. If you’re focused, improving, and serving your clients well, you’re setting yourself up for a breakout when this market turns—which it will.

I walked away from this conversation more confident than ever that we’re on the verge of something big. Stay locked in, keep learning, and most of all—don’t sit on the sidelines. The next wave is coming, and it’s got your name on it.



Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.