In this episode of Ask Chris Real Estate, veteran Middle Tennessee Realtor Chris Phillips sits down with David Manier of Primis Mortgage to break down the latest mortgage interest rate trends for 2026. From three-year rate lows to upcoming policy changes that could impact your monthly payment, Chris and David share actionable advice for buyers, sellers, and investors alike. Learn why January and February might be your golden window to buy and how upcoming credit card interest caps could unlock more buying power for everyday homeowners.

The average age of today’s first-time homebuyer is 59 — and that’s a problem. In this episode of the Ask Chris Real Estate Podcast, host Chris Phillips (Keller Williams – Middle Tennessee) is joined by David Manier of Primis Mortgage to uncover why younger buyers are waiting too long to purchase their first home — and how to break that trend.

What makes Hardie board siding the top choice for long-term home value and curb appeal? In this episode of Ask Chris Real Estate Podcast, host Chris Phillips (Keller Williams, Middle TN) sits down with Russ Hensley, owner of L&L Contractors in Murfreesboro, to talk about siding done right. Russ breaks down why installation matters, what most builders get wrong, and how his team earned “elite preferred” status with James Hardie.