The mortgage market continues to adjust as lenders, borrowers, and operators respond to shifting economic and housing dynamics. In a recent episode of Latest in Mortgage Today, we sat down with Chris Robertson, SVP of Mortgage and Mortgage Operations at Right By You Mortgage, for a candid conversation about what the data is showing and what lenders should be preparing for as we move toward 2026. The discussion was moderated by Faith Howard-Mooney, bringing a thoughtful, operator-focused lens to the conversation.
Grounded Perspective From the Field
Chris brings a steady, data-informed perspective shaped by years of operational leadership. He also maintains an active presence on YouTube, where he regularly shares market insights and lender education. Early in the discussion, the conversation acknowledged recent recognition earned by Fidelity Bank, the parent organization of Right By You Mortgage, reflecting a strong performance year and disciplined execution through a challenging market cycle.
What the Data Is Telling Us About Homeownership
A key theme of the discussion centered on homeowner behavior following the post-pandemic rate shifts. While many assumed higher rates would freeze mobility, Chris noted that real life continues to drive housing decisions. Relocation, family changes, and lifestyle needs remain constant forces. While rates may feel elevated compared to recent history, they remain within a reasonable historical range, and buyers are adjusting accordingly.
Longer Tenure, Different Patterns
Chris and Faith also explored how housing tenure has evolved. Advances in remote work and technology have reduced the need for frequent job-related moves. As a result, homeowners are staying in place longer, changing how lenders think about purchase cycles, customer retention, and long-term relationship management.
Rethinking the Starter Home
The conversation addressed the shifting definition of a starter home. Rising home prices have outpaced wage growth, creating affordability challenges that reshape entry-level buying. Chris emphasized the importance of realistic pricing and market balance, noting that inflated values can slow buyer readiness and distort long-term demand.
Condo Market Pressures
Another area of focus was the condo market. Chris shared observations around declining valuations tied to increased special assessments, deferred maintenance, and rising insurance costs. These pressures are influencing both buyer perception and underwriting considerations across many markets.
Preparing for 2026
Despite ongoing complexity, the outlook remains constructive. Chris shared that Right By You Mortgage saw a 37 percent increase in performance during 2025, driven largely by purchase activity. Looking ahead, preparation is key. Hiring ahead of volume, cross-training teams, and building operational flexibility were highlighted as practical steps lenders can take now.
Technology That Supports the Borrower Experience
Operational efficiency and borrower experience remain closely linked. Chris discussed the company’s transition to nCino, noting improvements in workflow clarity and client-facing experience. Technology, when implemented with intention, can support both staff and borrowers without adding unnecessary complexity.
Staying Engaged With the Work
The conversation closed with cautious optimism around market normalization, including the possibility that wage growth begins to catch up with home prices. More importantly, both Chris and Faith emphasized the value of staying connected, sharing insight, and learning alongside peers.
At TMC, these conversations matter because they reflect the real decisions lenders are making every day. Latest in Mortgage Today continues to be a space for honest dialogue, practical insight, and shared understanding.