articles americans-mortgage-debt-looks-great-again 
Housing Wire
NOVEMBER 9, 2021
One of the most unloved American economic success stories has been how spectacular American households with mortgage debt look today. Let’s take a look at the New York Federal Reserve’s Household Debt and Credit Report for the third quarter, released today. Become a member today.
Housing Wire
DECEMBER 29, 2021
The housing market didn’t crash at all, in fact, more Americans bought homes with mortgages in 2021 than in 2020. Now that we are just a few days away from 2022, it’s time to take a look at the positive and the negative housing stories of 2021. First and foremost, Americans are buying a place to live, not an investment.
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Housing Wire
DECEMBER 8, 2021
Not even 5% mortgage rates in 2018 budged this data line too much. Going into 2021, it didn’t look great for the inventory levels, and we paid the price with highly unhealthy home-price growth as demand was simply too strong. This explains the better existing and pending home sales data as this data line looks out 30-90 days.
Housing Wire
OCTOBER 31, 2022
And, once they’re done hiking rates, will the Fed need to keep rates high because the consumer balance sheet looks so good? From the WSJ article: “ U.S. Major consumer protection debt laws passed were key. million total inventory, according to NAR , and household balances still look good. Today, we are at 1.25
Housing Wire
FEBRUARY 8, 2021
Not the forbearance plans themselves, which allowed mortgage holders to delay their payments for many months, but the fact that 2.72 Demographics plus low mortgage rates serve as the one-two punch that knocked out COVID-19. In 2018/2019, when mortgage rates got to 5%, all it did was cool down price gains in the existing housing market.
Housing Wire
NOVEMBER 26, 2021
In this type of economic environment is it even possible for mortgage rates to get to 4% and can the Federal Reserve really hike rates in an aggressive fashion? Let’s take a look at all these topics together. 10-year yield and mortgage rates. How do we make sense of all this? Federal Reserve first rate hike? consumer is doing.
Housing Wire
APRIL 8, 2022
One of the reasons that I moved into the “team higher mortgage rate” camp is that what I saw in January, February, and March of this year was so unhealthy that I labeled the housing market savagely unhealthy. Let’s take a look at what it would take to crash homes prices in America. Monthly supply data being at 1.7
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