The Housing Market Is About To Go CRAZY | DO THIS NOW



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THE END OF MORTGAGE FORBEARANCE:

Even though over 4.2 million homeowners originally paused their mortgage payments…as of now, 18 months later….1 million of those remain, with a small portion of them STILL eligible for a final 6-month extension if they chose.

In terms of foreclosures – they found that 23% of those borrowers either sold their home or refinanced their mortgages to make them more affordable, 7% are in active loss mitigation with their lender, 3% are delinquent after their forbearance expired…and 38,000 are in active foreclosure, even WITH the real estate market surging to all time highs.

They theorize that this is partly due to an overly competitive and expensive real estate market that leaves homeowners with nowhere to go in the event they need to sell.

But, in terms of what you can do about this, and whether or not the market can actually crash this year…here’s what we know, FOR SURE:

One, the vast majority of tenants are still paying their rent.
The National Multifamily Housing Council found the 93-95% of tenants are paying their rent in full by the end of the month, and this is only 1-2% LESS than prior to the pandemic. That leads me to believe that, most likely, rents will continue trending higher throughout the next year.

Two, building materials are back up thanks to worsening supply chain shortages.
Apparently, so many people started buying the dip that the demand pushed prices BACK UP…so, it could be another year or two until things begin to normalize – and that will be reflected in housing values.

Three, in terms of seeing a wave of foreclosures… Ninety-eight percent of borrowers in active forbearance have at least 10% equity in their homes…compared to the Great Recession, where only 40% had that much equity.
….so, basically…we aren’t going to see many foreclosures, AT ALL..because, there’s nothing to foreclose on.

Fourth, Interest Rates are likely to increase.
Even though, recently…they’ve actually been going DOWN…the FED has made it clear that they intend to combat rising inflation by slowly raising rates throughout 2022…and, as I mentioned earlier…that has the potential to impact housing VALUES as the cost of a loan gets a little more expensive.

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24 comments

  1. Housing is a human right and shouldn't be a commodity, but the US is a dystopia, so here we are. I'm leaving the country before the end of this year. After living in this country all my life, I've lost all hope it will change for the better.

  2. @graham Can you make a video about renting to students vs regular tenant.. i am thinking whether to buy in a university town or elsewhere.

  3. I work at a law firm who works for the banks and forecloses on homes. We have been at a halt since the pandemic started. We are getting ready to be slammed with work. Unfortunately, many homeowners will not be able to afford all the backpay that has been accumulating over the months and will sadly lose their homes. Signing a mortgage is a 30+ year commitment and many of us were not expecting to be hit with a pandemic.

  4. Graham – Are you familiar with cost segregation? Commercial owners/home rental owners can accelerate their depreciation (commercial properties are 39 years and apartment/homes are 27 years per IRS ruling.) By doing cost segregation you can receive $40k – $60,000 per million of purchase price minus land (cost basis).We do this by accelerating the depreciation as the building is broken into components that have 5,7,9,15 year life spans as opposed to 39 or 27 year life spans. Let me know if you have interest in this concept to help your followers. Our company is CSSI and we have done over 25,000 analysis for clients. The IRS require the analysis done by an engineer not a CPA.

  5. 500,000 homes were 350,000 homes a year ago. There will be no crash. Investors will continue to buy rentals. The housing shortage will not be over anytime soon.

  6. Here’s what I do know. This guy has never experienced a crash and has never held real estate during a housing correction. He lacks the understanding of human psychology. Human psychology will crash the economy

  7. Is it a good idea right now to buy a home for 2-3 years and relocate? My area home supply is 0.8 months and homes are appreciating 20% or more.

  8. I know that you are smarter than me. But I also know that the image was Clickbait. As a full-time real estate agent for 28 years and a YouTuber myself I have seen your content over the years but never really watch or subscribe. I’m reminded why. I think your information is extremely valuable but bringing me in with a scary image is not the way to win my attention

  9. Imagine if the attempt to keep printing money and lowering interest rates to save us from a recession leads to a recession based on the same factors from 2008

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