It Started: The Upcoming Housing Collapse – Round 2

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Let’s discuss the 2022 housing market, rising interest rates, and dwindling inventory – Enjoy! Invest with me at – see disclaimer below* – Add me on Instagram: GPStephan


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The 2022 Housing Market:
30-year mortgage rates NOW beginning to exceed 5%, application demand is dropping, lenders are beginning to trim their workforce, and, some even think that rates could hit as high as 8% by 2025….leading, of course, to the assumption that the housing market has peaked.

No matter what happens…the CME gives an 87% probability that the Federal Reserve will increase their key interest rates to 2-2.25% by the end of the year…which, is roughly 8x HIGHER than were we stand today, and – would lead to the “Sharpest Pace of Fed Tightening Since 1994.”

Long term, a survey from the New York Federal Reserve found that “most households expect the interest rate on a 30-year fixed-rate loan to increase to 6.7% next year and reach 8.2% by 2025” – although, the National Association of Realtors believes that the market has ALREADY factored in “all the possible rate hikes,” and therefore…we should expect to see around 5.5% mortgages throughout most of 2023.

The chief economist of says that: “We may see a slower pace of sales in the fall, because rising mortgage rates are pushing up housing costs.”

Zillow believes that: “The stock of existing homes on the market is finally starting to refill, as our March data shows total inventory now rising strongly.”

Redfin states it might be a NET-NEUTRAL, because “higher interest rates will lead to a lock-in effect for homeowners, so they may not list. And it also might reduce demand from home buyers, especially for people really sensitive to prices.”

Throughout February, home sales actually DROPPED 2.7%…and, in March, they dropped another 4.1% – meaning, fewer buyers are purchasing properties now that mortgage rates are increasing. According to Redfin, 12% of homes on its site saw sellers cut prices in the week ending April 9. That was the biggest one-month spike Redfin saw in price cuts since 2015.

Although, in terms of my OWN thoughts on this…since, I have been FULL TIME in the real estate industry since 2008…I can absolutely see rising rates having an impact on values throughout the near future…but, LONG TERM…a lack of inventory, combined with decades of under-building, is likely going to keep prices relatively high for quite some time…even though, some areas will likely see the market BEGINNING to soften.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at

Creator Properties – This communication does not constitute an offer to sell or a solicitation of an offer to buy an interest in any fund or investment vehicle. Any such offer, sale or solicitation will be made only pursuant to a confidential private placement memorandum, limited partnership agreement or operating agreement, and subscription documents. An investment in any real estate fund involves significant risks, and investors should have the financial ability to accept the risk of loss of their entire investment.  Past investment performance is not indicative of future results.

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See

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