Crashing prices, rising inventory, and Bitcoin-backed mortgages—what could possibly go wrong? The Texas housing market shift is in full swing, and it’s turning traditional real estate wisdom on its head. If you’re a Realtor trying to stay profitable in this madness, this episode is your new playbook.

Episode Overview

In this fast-paced breakdown of the Texas housing market shift happening in Summer 2025, host and mortgage pro Mike Mills guides Realtors and lenders through the economic turbulence hitting Texas real estate.

Here’s what’s inside:

Why Austin’s inventory surge and falling home prices signal a new buyer’s market
How the latest jobs report and Fed delays are impacting mortgage rate trends
What the newly passed “Big Beautiful Bill” means for affordability, taxes, and the future of housing finance
An AI tool that might outsmart your entire CRM system (Fello, we’re looking at you)
And yes... there’s even talk of aliens, ancient tech, and Klarna credit scores

If you’ve got listings that won’t move or buyers still waiting for rates to drop, this episode delivers the insight, humor, and tools you need to survive—and maybe even thrive—this summer.

Key Takeaways

Mortgage Rates Are Flip-Flopping Again

Rates dipped, then bounced back slightly—but the Fed’s indecision means volatility is here to stay. Understanding what’s driving rate behavior is critical for advising buyers and timing your locks.

Austin’s Buyer Market Is Here

Inventory in Austin is up 43%, and over half of sellers are slashing prices. This means Realtors must pivot fast—buyers have power, and overpriced listings will stall out quickly.

The Fed, the Bill & the Backlash

Massive federal policy changes are adding fuel to the debt fire. Elon Musk’s dramatic political pivot and warnings from the CBO reveal how high the stakes are for housing affordability and investor confidence.

Fello: Your CRM’s AI-Powered Sidekick

Fello integrates with your CRM to score, segment, and nurture leads based on real equity and ownership data. If you're sitting on a database of “maybe someday” leads, Fello helps you turn them into real conversations.

When the Market’s Weird, Stay Informed

Between tech layoffs, public-sector hiring, and an interest cost crisis, staying updated is your competitive edge. This episode keeps it real—because Realtors don’t need fluff, they need facts (and maybe a little sarcasm).

Resources Mentioned in This Episode

🎙️ Episode Page – Full recap, tools, and timestamps:
https://www.thetexasrealestateandfinancepodcast.com/texas-housing-market-shift
📊 Mortgage News Daily – Daily Rate Indexes:
https://www.mortgagenewsdaily.com/mortgage-rates
🏦 Freddie Mac PMMS – Weekly Rate Trends:
https://www.freddiemac.com/pmms
🧠 Fello – AI-Powered CRM Optimization Tool:
https://www.fello.com
📅 Federal Reserve Meeting Calendar:
https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm
🔗 Connect with Mike Mills – Linktree:
https://linktr.ee/mikemillsmortgage

Final Note

Enjoying the podcast? Make sure to subscribe, leave a review, and share this episode with a fellow agent. It helps more real estate pros stay informed, ahead of the curve, and a little less stressed about the next market twist.

Summer 2025’s Texas Housing Market Shift: What Realtors Need to Know Now

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