Is The Housing Market Crashing?

Everyone is telling you the housing market is about to crash worse than 2008. They’re wrong but the truth might be harder to hear.

In this episode, I break down the numbers behind today’s housing market and compare them to the factors that contributed to the 2008 financial crisis. Topics include subprime mortgages, equity positions, supply dynamics, insurance costs, the lock-in effect.

The data says this is not 2008. The structural foundations are different. But that doesn’t mean everything’s fine. The affordability gap is real. The low end is fracturing. Insurance is repricing risk across the country. And millions of homeowners are locked into sub-4% rates creating a “zombie market” where people are not moving.

I share my own experience buying a home in 2005 on an adjustable-rate mortgage, watching the value drop, and what I learned about making financial decisions under pressure. I also walk through what I’m seeing in the data right now as someone who owns and buys real estate.

This episode covers: subprime mortgage comparison (2006 vs. today), homeowner equity, regional market divergence, the 4-million-unit housing deficit, the lock-in effect, insurance crisis, and how data can inform decision-making.

0:00 The 2008 Crash Fear Is Everywhere

01:13 Markets That Feel Like 2008

03:31 Who Is Predicting the Crash and Why

04:39 What Actually Caused the 2008 Collapse

06:28 The Financial Crisis Numbers

08:15 Mikey’s Personal 2008 Story

09:59 Today’s Market vs 2008 by the Numbers

14:07 The Real Fractures Nobody Is Showing You

17:08 The Zombie Market

23:14 Fear vs Greed The Investor Trap

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