ERIC HAMILTONMORTGAGES REIMAGINEDStart my application

YOUR MORTGAGE, EXPLAINED

Inventory can rise while its growth slows

In the February 18, 2026 short, Eric compares the number of homes listed with the pace of inventory growth. Those are separate measures, and understanding the difference can help you read a housing headline more carefully.

By Eric Hamilton · Published October 6, 2026

Originally uploaded February 18, 2026 · 1:26 · Watch on YouTube

Written companion added October 6, 2026. Adapted from Eric’s video captions with source checks; not a word for word transcript. The recording retains its original date.

Separate the level from the rate of change

An increase of 10% after an increase of 32% is still growth, just slower growth relative to the stated comparison. It does not by itself mean fewer homes are listed. Record the geography, period and inventory definition before comparing figures, especially when moving between national and local reports.

Check the choices that affect your search

Ask your agent how many suitable homes are available in your price range, how long they have been listed and whether terms are changing. A national growth pattern cannot establish the negotiating position of one seller. Keep your payment and reserve limits in view while reviewing the actual options.

Does slower inventory growth mean a buyer has fewer options?

Not necessarily. Examine the actual listing count and the properties relevant to the search, not the growth rate alone.

Sources and scope

The recording cites January figures and earlier comparisons. They are historical claims, not verified current inventory counts or proof that waiting becomes worse every month.

  1. FHFA: House Price Index data and limitations Accessed October 6, 2026
  2. CFPB: Is it the right time to buy? Accessed October 6, 2026

General education, not a loan quote, approval or an individual recommendation. Ask the appropriate professional about your situation.

KEEP LEARNING

Your next questions

How do I know when waiting to buy is the smarter move?

Waiting can make sense if buying would empty your accessible savings, strain your monthly budget or depend on a change that has not happened. Compare what waiting could improve with its real costs and uncertainties. A good plan can lead to renting longer while you prepare, rather than forcing a purchase now.

Read the answer

A 90-day homebuying goal starts with preparation

Use the video's five steps as a preparation sequence: review finances, choose a comfortable budget, assemble your team, understand the local market and explain why buying fits your plans.

Read the answer

Seller Credits and Mortgage Buydowns: Options for Higher Rates

A rate being historically familiar does not make the payment comfortable. In this video, Eric explains why buyers should compare a seller credit, discount points and a temporary buydown before making an offer.

Read the answer

Buying Your First Home With Debt: Build a Comfortable Payment Plan

Eric’s December 18, 2025 video looks at why a higher salary can still leave a first-time buyer feeling stretched. Monthly debt commitments can absorb the income that might otherwise support a home. Prices, rates, savings and family responsibilities also matter.

Read the answer

Browse the answer library · Read Eric’s blog · Watch the video library