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00:00 – U.S. Housing Market Faces a New Shock
00:23 – Why Mortgage Rates Are Surging
01:12 – The 10-Year Treasury Yield Is Driving Mortgage Rates
01:45 – Treasury Yields Hit Multi-Year Highs
02:29 – 30-Year Mortgage Rates Surge Above 7%
03:01 – Home Prices Are Still Near Record Highs
03:29 – The Real Cost of a 7% Mortgage
04:08 – The Mortgage Rate Lock-In Effect Explained
04:44 – Why Younger Americans Can’t Afford Homes
05:20 – Why 7% Mortgage Rates Are So Important
05:41 – Buyers Pull Back as Mortgage Rates Rise
05:55 – Why Fed Rate Cuts May NOT Lower Mortgage Rates
06:08 – The Bond Market Could Block Housing Relief
06:38 – Where Mortgage Rates Could Go Next
07:20 – Is 6–7% the New Normal for Mortgage Rates?
07:40 – The Treasury Debt Problem Behind Higher Yields
08:11 – The Dangerous Housing Market Feedback Loop
08:46 – The Bigger Problem: America’s Rising Cost of Capital
09:05 – Could Mortgage Rates Stay at 7% or Higher?
09:28 – Is This the Beginning of Structurally Higher Rates?
09:39 – The American Dream of Homeownership Is at Risk
10:02 – What’s Happening to Home Prices Where You Live?
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