Accunet Mortgage & Realty Show 11-28-25

The Thanksgiving weekend edition of the Accunet Mortgage and Realty Show kicks off with the story behind Black Friday before diving into mortgage market timing. Brian Wickert and David Wickert explore why waiting for the Federal Reserve’s December meeting might not be the best strategy, based on patterns observed throughout 2025.

The episode features a cautionary tale about credit scores, where an $80 collection account from identity theft caused a nearly 100-point credit score drop, derailing a refinance opportunity. The Wickerts detail the extensive process required to dispute fraudulent accounts and restore credit standing.

David introduces an innovative asset depletion loan program that transforms investment and brokerage accounts into qualifying income—without requiring retirement age or IRA status. This solution offers flexibility for buyers with substantial non-retirement assets who want to keep their money working in the market.

The housing market discussion reveals surprising trends: while over a third of major U.S. markets experienced price drops, all Wisconsin markets showed growth. Milwaukee, Madison, Green Bay, and other Wisconsin cities are forecasting continued appreciation through 2026.

The episode concludes with news about the 2026 conforming loan limit increase to $832,750 and reminds first-time buyers that only 3% down payment is required, regardless of income level.​​​​​​​​​​​​​​​​