In this episode of the Be The Solution Podcast, host Maria Quattrone is joined by Fobby Naghmi, a 30+ year mortgage industry veteran and senior leader in lending. Together, they unpack the real story behind mortgage rates, housing inventory shortages, buyer psychology, and what’s actually coming in 2026.

This is not surface-level market commentary. Maria and Fobby dive into:

• Why rates are moving (and why it’s not the Fed)
• How inventory shortages are the real housing problem
• Why waiting for lower rates may cost buyers more
• The mindset shift buyers, agents, and lenders must make
• Why execution, certainty, and fearlessness matter more than forecasts

If you’re a homebuyer, seller, real estate professional, or mortgage professional, this episode delivers clarity in a market full of noise.

What You’ll Learn in This Episode

• Why Mortgage Rates Are Falling (and What Most People Get Wrong)
• Why “Shopping for the Lowest Rate” Is a Mistake
• The Real Housing Crisis: Inventory, Not Rates
• Why Buying Now Can Be a Strategic Advantage
• Front-Loading the Process Removes Friction
• Why Mindset Is the Ultimate Asset
• America Still Offers Unmatched Opportunity

Words for 2026: Certainty & Fearless

• Fobby’s word: Certainty — controlling mindset and perception
• Maria’s word: Fearless — feeling the fear and doing it anyway

Growth requires discomfort. Staying small is the real risk.

Best Quotes

Fobby Naghmi:

Maria Quattrone:

Guest Information

Fobby Naghmi
Senior Mortgage Executive | Lending Leader
📍 Washington, DC Metro Area
30+ years in the mortgage industry

Connect with Maria Quattrone:
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TikTok: mariaquattronerealestate
Website: MQrealesate.com
Office number: 215- 607-3535