A hub for independent voices and hard truths
Rates going to start tumbling like 2008. Maybe because the smart money knows that houses are insanely overpriced, and the loss of FedBux "value" when Housing Bubble 2.0 implodes is going to be stupendous byu/Boo_Randy_II inWallstreetsilver Mortgage Demand is 34% below pre-pandemic norms, 55% below the pandemic peak and lower …
Housing is the foundation of the economy, and when it starts tipping downward, jobs, banks, and local economies feel it immediately. Hidden delinquencies in mortgages and corporate loans mean that a correction could hit like a hidden avalanche, catching lenders, investors, and homeowners off guard. This is a warning that …
The collapse isn’t whispered. It’s marching through neighborhoods, through MLS listings, through every open house where the buyers hesitate, the agents hedge, and the price tags crumble under scrutiny. The illusion of stability has evaporated while 56% of homes now sell below asking, exposing a market that once promised security …
The Federal Reserve has turned housing into its private playground, holding trillions in mortgage-backed securities with no legal authority to do so. Every dollar it pumps into the market inflates prices, erodes real ownership, and turns homes into instruments of policy rather than shelter. If this escalates into a “housing …
The housing market didn’t collapse. It was looted. The 2008 crash wasn’t a failure. It was a transfer. The Fed absorbed $2.7 trillion in toxic mortgage-backed securities from its bankster accomplices, dumped the fallout onto taxpayers, and called it stability. “The Fed still holds about $2.7 trillion in mortgage-backed securities, …
https://twitter.com/rev_cap/status/1962197481111834696 Housing *does* need help, but totally agree if they cut FFR it’ll just make things worse Since cutting cycle of 100bps last sept, 30Y UP 100bps Eventually I also think they try another George W Bush type program (when the rate cuts don’t work)https://t.co/42buOXff4f — Robert (infra 🏛️⌛️) (@infraa_) …
Houses are everywhere, prices stop climbing, buyers rejoice eventually. Insanity. I don’t see how housing doesn’t struggle going forward. Wait until the boomers die off. There will be no one left that can afford to buy. https://t.co/aNWA55mzBY — QE Infinity (@StealthQE4) August 31, 2025 Among all recent grads living at …
The federal government is finally enforcing proof of citizenship for Section 8 housing. Millions of dollars in taxpayer-funded benefits that were previously going to those ineligible could now be reclaimed. Communities could see a sudden shift in housing availability, and the ripple effects may shake local housing markets. Legal and …
“The Fed can’t rescue this in its entirety. You’ve got 4M homes in Texas and 42M across the U.S. at risk of bankruptcy or losing the roof over their heads. That’s nearly 38% of households. The money to pay these bonds doesn’t exist. You can’t get blood out of a …
by David Haggith We have now deployed all the essential pieces to completely blow up the housing market and take banks down with it on an even grander scale than last time. For several years, when writing about the next housing collapse that would be part of the nation’s economic …
There’s nothing biased about labeling this the biggest bubble in US equity & housing history – it’s called the reality. Bubbles are rarely linear. — Don Johnson (@DonMiami3) August 24, 2025 Housing market weakness triggers Lennar to offer biggest incentives since 2009#RESights #MacroEdge — MacroEdge RESights (@RESightsbyME) August 24, 2025 …
Authored by Mike Shedlock via mishtalk, What’s the impact on rent? Housing units under construction data from Census Department, chart by Mish. Decline from Post-Covid Peak Total Units: 20.7 percent Single-Family: 25.2 percent Multi-Family: 27.3 percent The decline puts the number of single-family units under construction near the middle of …
Home buyers are paying more for smaller homes, a phenomenon called shrinkflation. A new LendingTree study found new single-family homes have shrunk 11% in the past decade, while their price per square foot has jumped 74%. Driven by surging land, labor, and material costs (compounded by tariffs and worker shortages), …
Authored by Mike Shedlock via mishtalk, The housing picture remains grim. NAHB Wells Fargo Housing Market Index (HMI), chart by Mish Housing cannot gain traction as mortgage rates are still too high and prices are out of sight. Please consider the NAHB/Wells Fargo Housing Market Index (HMI) for August, 2025. Key Findings …
Starter homes should not cost $400,000. byu/TonyLiberty inFluentInFinance
Interest rates are stuck. Inventory is swelling. Buyers are gone. More than half of all homes now sell below asking. It’s the weakest housing market since 2012. https://finance.yahoo.com/news/housing-market-craters-56-homes-123114860.html Rents are falling, vacancies hitting records. National apartment rents dropped 0.8% year over year in July. The vacancy rate just hit an …
Alarming graph of housing demand implosion to lowest point in 30 years is at 18 seconds of video. -2.7% Latest News Existing-home sales decreased by 2.7% in June. Month-over-month sales declined in the Northeast, Midwest, and South, and rose modestly in the West. Year-over-year, sales fell in the Northeast and …
1) According to John Burns, from 2022-24, all of the growth in renter households came from immigration. While only 5% of buyer demand came from immigration. pic.twitter.com/hrjxgn5n1h — Nick Gerli (@nickgerli1) August 14, 2025 3) According to RealPage, there were 227k apartment units absorbed in Q2 2025, which was above …
American did all the right things. She went to school, became a Registered Nurse, she has $0 debt and an 808 credit score She just called trying to get a mortgage, she cant afford a mortgage payment If someone like this can’t even afford a mortgage, how can the average …
New tenant rents are absolutely collapsing, leading indicator for overall rents and eventually the housing market pic.twitter.com/60iGWeGnvw — Darth Powell (@VladTheInflator) August 12, 2025 The claim is reliable based on Cleveland Fed and BLS data showing new tenant rents down ~9% YoY in Q2 2025, amid slowing national rent growth …
Mortgage rates are falling. Home price growth is slowing. But the market is not recovering. It is unraveling. “The median U.S. asking price rose just 2.3% year over year… one of the smallest increases in two years.” https://www.redfin.com/news/housing-market-update-mortgage-rates-fall-price-growth-slow/ “Zillow anticipates a nationwide housing correction of 1.0% over the next 12 …
Goldman Sachs says 55 cities will see home prices fall. That’s 15% of the 381 metros they track. But they also say 39% will decline. So why spotlight the softest wound? “Goldman Sachs expects home prices to fall in 55 of the 381 metropolitan statistical areas it tracks, or about …
A migrant mother in Boston received $30,000 through Governor Maura Healey’s HomeBASE program. She used it in under 10 months. The program was designed to last two years. She’s now asking for more help https://www.dailymail.co.uk/news/article-14969147/migrant-mom-complains-taxpayer-housing-handout-massachusetts.html The program requires families to pay 30% of income toward rent. Nadine lost her job. …
In June 2025 active home sellers outnumbered buyers by 508,715, the largest gap tracked since 2013. https://www.thetitlereport.com/articles/redfin-home-sellers-outnumber-buyers-by-record-mar-94558.aspx That translates to about 34 % more sellers than buyers nationwide. https://www.redfin.com/news/sellers-vs-buyers-price-impact Power has flipped. Realtors no longer hold the cards. Many buyers have withdrawn offers. Nearly 15 % of pending deals fell through in …
Housing prices would need to fall about 30% before basic affordability returns to most U.S. cities. Experts say mortgage rates must drop to around 4.4% for a typical home to fit within the affordability rule of 30% of median income. https://fortune.com/2025/07/30/mortgage-rates-housing-affordability-zillow-report Right now the average thirty year mortgage rate sits …
Redfin: U.S. housing market now 508,715 more home sellers than homebuyers That’s the most home sellers have outmatched homebuyers in over a decade, according to Redfin pic.twitter.com/3kmfduePlh — Lance Lambert (@NewsLambert) August 4, 2025 Lol pic.twitter.com/Y61dW5nuvv — Darth Powell (@VladTheInflator) August 3, 2025
China’s real estate crash spirals: Builders fail, buyers flee, cities hollow out. Turns out concrete isn’t a liquid asset after all. “New home prices in 70 major cities fell for a 24th straight month in May, extending the longest losing streak since at least 2011” https://www.reuters.com/markets/asia/chinas-home-prices-dip-may-extending-two-year-stagnation-2025-06-16 “The amount of unsold …
Housing is more broken than most admit. Cutting rates won’t fix it. Prices remain too high and wages too low to afford a home. Inventory shortages in key regions make matters worse. First-time buyers are pushing 40 years old on average. That shows how the market locks out younger generations. …
The housing market is in deep trouble. pic.twitter.com/J1dgwFVuvk — Spencer Hakimian (@SpencerHakimian) July 29, 2025 💥The housing market is in a massive bubble, worse than 2006… inventory is piling up while affordability collapses… This signals a coming crash… Prices will fall hard, and it could trigger a broader economic downturn… …
