Tom Fraker nodded in the direction of the busiest street corner in Payson, the intersection of State Routes 87 and 260.“More than 6 million people drive through that corner every year,” said Fraker, a part-time resident of Payson for eight years.What they don’t do, Fraker added, is stay a while.
Zillow's latest forecast expects home values to rise slightly by 0.3% as of December 2026. Existing home sales as measured by Zillow’s sales nowcast are
Immediate Demand: Most active buyers are waiting for new listings. Industry analyses consistently find that up to ~75% of sales occur within two weeks of listing
Search Visibility: When a home first hits the market, it is “new” and highlighted in most MLS portals and buyer searches. Fresh listings “rise to the top of search filters
Buyer Psychology & Urgency: The serious buyers – those pre-approved and motivated – are often first through the door. If they like the price, they may compete quickly. As one agent notes, “if your home is priced right and presented well, you may receive multiple offers within days. … On the flip side, if your home lingers on the market without interest, buyers begin to wonder why”. Long days-on-market create skepticism (“What’s wrong with it?”) that depresses offers later. In effect, overpricing kills the initial urgency.
Data on Showings & Offers: Agents and MLS platforms consistently track that showing activity is highest in week 1
2. Psychological Effects of Overpricing
Search Filters and “Invisible” Listings: Overpricing can literally remove your home from many buyers’ searches
Perceived Value & Anchoring: Buyers instinctively compare to recent sales. Homes “priced appropriately within the current inventory attract attention,” but a listing “far above market often kills serious early interest”
Loss of Urgency and FOMO: A well-timed launch can create FOMO (fear-of-missing-out) among buyers, but only if the price triggers that urgency. Underpricing a little can spark bidding wars, while overpricing does the opposite: it creates doubt instead of urgency.
Emotional Bias: Sellers often feel justified listing high (upgrades made, sentiment, etc.), but buyers do not share that view. “Buyers don’t buy sentiment; they buy comparison,”
3. Data and Studies on Pricing and Timing
Higher Price ⇒ Longer DOM & Lower Sale Price: Zillow (2016) empirically found homes that lingered sold significantly below list. Houses sold in ~2 months averaged 5% below list; after 11 months, ~12% below list. Notably, there is no “fast bonus” for underpricing: homes selling above list did not sell any faster than those at list. Put simply, overpriced homes pay a penalty (longer time and lower price) but underpricing yields minimal speed gains beyond fair value.
4. Examples & Case Studies
Hypothetical MLS Scenario: A house is truly worth $400K. If listed at $440K hoping to “see what happens,” it may get no showings for 3 weeks, then buyers begin lowballing. After two $10K cuts, it finally sells for $390K (10% below original list). In contrast, if listed at a competitive $405K, it might have drawn 4 bids in the first week and closed at $415K (above list) within 10 days. The difference isn’t guaranteed, but data shows faster sales often closer to market.
With over 1M new Hispanic households formed just last year, “the influence of Latino buyers will only grow over time,” NAHREP 2026 President Edwin Acevedo said.
Because of the large sums of money involved, real estate is a fertile hunting ground for scammers, and one of the most profitable scams is spreading outwards
Learn whats happening in the mortgage markets. Also, a deaper dive into credit scores and what we can do to help your customers get qualified or get much better rates.
Paul Montelongo returns to the podcast to share his 45-year journey in real estate and why personal branding is the secret weapon for closing capital-intensive deals. If you’ve ever struggled to raise private money despite having a deep professional network, rivatecapital #personalbranding #realestatecoach # mountain lake realty
The new Fed chair, Kevin Warsh, takes over May 15th — and his plan to cancel $39 trillion in national debt is about to quietly cancel a piece of YOUR mortgage as a byproduct. In this video, I break down exactly how financial repression works, why your fixed-rate mortgage is about to become the single best asset you own, and the three moves you can make this week to position yourself on the winning side of the trade.
You'll learn what the post-WWII playbook looked like (1946 to 1974), why BlackRock and the Richmond Fed are openly publishing papers about it, and what Warsh's own Senate testimony revealed about his intentions. If you've got a 30-year fixed at a sub-5% rate, this video will change the way you think about every extra principal payment you've ever considered making.
📊 RESOURCES MENTIONED: → https://StackMyBanks.com — the high-yield savings options I personally use → https://HouseRichCashReady.com — the three ways to access your home equity (HELOCs, cash-out refi, reverse mortgages)
📚 CITED SOURCES: BlackRock Investment Institute — "Financial Repression, Past and Future" (2025) CEPR / Ricardo Reis — "Financial Repression in the XXIst Century" (2026) Richmond Fed — Regulation Q retrospective Congressional Budget Office — Federal interest cost projections U.S. Treasury — Federal debt data Senate Banking Committee — Kevin Warsh prepared remarks (April 20, 2026)
https://arizonamlsflatfee.com/
🎯 WHAT YOU'LL LEARN:
How the Fed cancels debt without paying it off Why your fixed-rate mortgage benefits from inflation The 1946 financial repression playbook explained simply Why savers are mathematically required to lose for the system to work Three specific moves to position yourself on the winning side this week
P.S. Hey, if any of this stuff resonated with you, I've got a few things that might help:
My new newsletter thing - It's called Shadow Capital Brief. Basically, I take all the confusing money news and break it down so you actually know what to do next. 👉 https://ShadowCapitalBrief.com
My book - Rich Dad asked me to create a course to go with it. It's everything I wish someone told me before I wasted years figuring this stuff out the hard way. 👉 https://MyEscapeBook.com
Our community - It's a bunch of fed-up professionals who got tired of playing by rules that don't work. We're doing creative real estate, AI stuff, alternative investing... you know, actual solutions. 👉 https://TheEscape.club
Oh yeah, and if you need passive income without all the guru nonsense... I made this guide 👉 https://FrustratedInvestor.com
And if you could use some money for deals, there's this 0% interest thing 👉 https://LoopholeLending.com that banks really don't want you to know about.
Legal Stuff, Disclaimers, and a Dose of Common Sense
Since you made it all the way down here, here’s the real deal:
Everything on this channel—videos, posts, wild ideas, occasional rants—is mine. Epic Real Estate is a real company, but what you see and hear here is me sharing my personal thoughts, observations, and questionable opinions for your information and entertainment only. Not financial advice, not legal advice, not “go do this and sue me if it goes sideways” advice. Just a guy sharing what’s worked, what hasn’t, and what I think might work if you’re bold (and a little crazy).
I do my research, double-check facts, and try to keep it all up-to-date. But sometimes, I just share what I’ve seen, lived through, or picked up along the way—which might not always be verifiable or true for everyone. Stuff changes. Your mileage will definitely vary. If you’re about to make a big financial move because you watched a YouTube video (mine or anyone’s), please—get some professional advice first. You’re a grown-up. Own your decisions.
Heads up: Sometimes I recommend products or services. I might get paid. I might not. I only talk about stuff I think is useful, but don’t take my word as gospel—do your own homework.
Oh, and as for the cool stock images, music, or footage in these videos: all properly licensed and not for you to reuse, screenshot, or swipe. Don’t be that person.
Bottom line: You’re responsible for what you do with your own money, time, and energy. I’m not liable for anything that happens to you as a result of watching, reading, or listening to my stuff. Don’t blame me for your losses, and definitely don’t credit me for your wins—I’ll just say “told ya so.”
With zero change versus Thursday's latest levels, the 30yr fixed mortgage rate index maintained a 0.03% range for the entire week (and 0.04% going back to last Tuesday). At 6.32%, today's mark is close enough to Friday's 6.29% to say rates are hovering at the lowest levels in more than a month. The sideways drift reflects uncertainty surrounding the next phase in the Iran war. Prospects for negotiations were called into question for most of the week, but improved somewhat on Friday. A successful end to the war would likely bring some additional improvement for rates, but the true test would be the longer-term realities for oil prices and their impact on inflation. The week ahead brings the next Fed announcement. Markets are pricing in a zero percent chance of a cut or a hike. The Fed's rate cutting hands are tied until/unless inflation moves back down and they won't preemptively assume that will happen until post-war oil price dynamics play out for a few months.
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