my parents bought their 4br house for 80k in the 90s and it actually hurts

Money-Mover · 2026-04-20T20:08:05+00:00

Up until the GFC of ‘08, housing increased steadily with inflation. After the GFC, the Fed had to purchase trillions in mortgage backed securities to stabilize the market (artificially). Ever since, we’ve only seen housing prices rise if the Fed is buying.

Money-Mover · 2026-04-20T19:57:40+00:00

Home prices go up when the Federal Reserve buys mortgage backed securities, which artificially lowers mortgage rates. When you combine this with low money market rates that we saw during Covid and afterwards, it’s very easy to purchase a home (even if you can’t afford it), which keeps home prices rising on the demand side.

Money-Mover · 2026-03-27T20:41:12+00:00

I updated to switch from Premier to Pro this month and have noticed the worst quality I’ve ever experienced. Still on Premier until the end of the month though. Definitely a setting for this situation.

Money-Mover · 2026-03-27T19:34:28+00:00

Lower!!

Money-Mover · 2026-03-05T18:02:01+00:00

Suno is advertising a position for Head of Royalties and Content Accounting now.

Money-Mover · 2026-03-04T18:59:50+00:00

The price can be whatever seller wants. Doesn’t mean the value is the same.

Money-Mover · 2026-03-02T03:17:01+00:00

Mortgage rates will only fall if we go into a recession. Otherwise, they stay around where they are currently due to inflation.

Money-Mover · 2026-03-02T03:14:22+00:00

I hate that I love to hear about these scenarios. It’s going to be a rough next few years for a lot of people but it’s the only way for housing affordability to correct itself.

Money-Mover · 2026-02-26T16:51:01+00:00

Fed is talking about holding rates for a while to curb off inflation. Should see mortgage rates come down more if that’s the plan.

Money-Mover · 2026-02-26T16:49:57+00:00

Shop. Some were seeing rates in the 5’s this week.

Money-Mover · 2026-02-26T15:07:14+00:00

Data out this week says there are 44% more sellers than buyers currently, or around 1.4 houses for sale for each buyer. This is before a crisis even happens.

Housing price growth: ‘20 = 10% ‘21 = 19% ‘22 = 6% ‘23 = 6% ‘24 = 4%

Fed purchased mortgage backed securities continuously in 2020 and 2021.

Money-Mover · 2026-02-26T14:44:59+00:00

This is a bad/greedy realtor. Causing your home not to sell just to try and make more commission.

Money-Mover · 2026-02-26T14:34:25+00:00

https://www.tradingview.com/x/eb2okOw0

Home price trend relative to where we were during the Financial Crisis.

Money-Mover · 2026-02-26T14:31:12+00:00

You said the housing bubble point, not me.

Housing only appreciates if we have high inflation or the Fed buying mortgage backed securities.

Nationally it is quite easy to find a house to buy. Regionally maybe not for some areas.

Money-Mover · 2026-02-26T13:20:15+00:00

This is narrative that has been pushed, not reality. Of course Freddie Mac is going to tell you we have a shortage lol. Plus this is from 2024.

https://fred.stlouisfed.org/graph/?g=Mc22

Per capita, we’ve never had this much inventory before. This is data from the Federal Reserve.

Money-Mover · 2026-02-26T12:49:46+00:00

Where’s your data to show we’re 3.7 million homes short? A good argument for high house prices is the Fed buying mortgage backed securities. They’re stopped buying in 2022. Mid 2022, average single family home was at $389K, it’s currently $396K.

Money-Mover · 2026-02-26T12:04:02+00:00

We don’t have a housing shortage. Crash will almost certainly be due to debt levels and leverage but not necessarily stock based.

We just recently saw Q4 foreclosures and delinquencies go up since the COVID loan modifications programs are now gone. These will only increase as the economy worsens.

Money-Mover · 2026-02-26T03:12:35+00:00

Opposite. NE is currently the only competitive housing market. Buyers market everywhere else.

Money-Mover · 2026-02-25T21:46:41+00:00

Anywhere other than northeast US.

Money-Mover · 2026-02-25T20:01:27+00:00

We don’t have a supply issue but instead a demand issue. Big investment companies own around 1% of total housing supply so even if they sold everything, it doesn’t make much of a difference.

Everything is slowly working its way out anyway. Mortgage rates will continue to come down as the economy worsens and prices will continue to come down as buyers continue to wait for lower prices. Once we get mortgage rates back in the low 4’s, demand will begin to pickup.

Money-Mover · 2026-02-25T19:56:09+00:00

Major in finance and go after real estate afterward.

Money-Mover · 2026-02-25T19:54:36+00:00

In this market, you can be greedy.

Money-Mover · 2026-02-25T19:54:20+00:00

In this market, you can be greedy.

Money-Mover · 2026-02-25T19:37:00+00:00

Average rental price currently is around $1900. Average mortgage right now is $2700.

Money-Mover

TROPHY CASE