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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?

#MortgageRates #HousingMarket #HousingMarket2026 #HousingCrisis #HousingAffordability #HomePrices #MortgageRates2026 #FederalReserve #FedRates #TreasuryYields #10YearTreasury #InterestRates #RealEstate #HomeBuying #Homeownership #USHousing #Economy #BondMarket #Inflation #EconomicCrisis

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Download Rocket Money and get a trial of Premium+ today at: https://RocketMoney.com/Graham | Let’s discuss the bond market collapse, rising interest rates, and how this is going to affect the housing market – Enjoy! Add me on Instagram: GPStephan

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BOND MARKET COLLAPSE
Mortgage rates have surged to roughly 7.5% while long-term Treasury yields are near their highest levels in more than 20 years. Because bond prices and yields move in opposite directions, rising yields mean investors are demanding significantly higher returns to lend money to the government. That matters because Treasury yields effectively set the baseline for mortgages, corporate debt, stocks, real estate, and almost every other asset.

INFLATION AND OIL ARE PUSHING RATES HIGHER
Inflation remains elevated while oil has moved back above $100 per barrel. At the same time, negotiations surrounding the Strait of Hormuz have broken down, creating the possibility of even higher energy prices. If oil stays elevated, inflation could remain stubborn, forcing the Federal Reserve to keep rates higher or potentially raise them further.

THE GOVERNMENT DEBT PROBLEM
The United States is running roughly $2 trillion annual deficits while constantly issuing new Treasury bonds to finance spending. The problem is that this new supply is hitting the market at the same time investors are demanding higher yields. Higher borrowing costs then increase government interest expense, which contributes to larger deficits and even more borrowing.

HOUSING DEMAND IS BREAKING DOWN
Higher mortgage rates are hitting transactions before prices. Mortgage applications have fallen toward levels not seen since the early 1990s, while Redfin reports 58% more sellers than buyers. In markets including Las Vegas, Miami, Houston, Orlando, and Nashville, there are more than two sellers for every buyer. Builders and sellers are increasingly using price cuts and concessions to move inventory.

HOME PRICES COULD FACE MORE PRESSURE
National home prices are still slightly higher than a year ago, but after adjusting for inflation, real prices are already declining. If mortgage rates stay above 7%, affordability becomes increasingly difficult. At current rates, the median home would need to fall roughly 14%, or about $62,000, to produce the same monthly payment buyers could have received earlier in the year.

THE DEBT SPIRAL
US national debt has crossed $40 trillion, and interest expense has already exceeded $1 trillion this fiscal year. Much of the debt was originally issued at lower rates, meaning refinancing it at today’s yields gradually increases the government’s interest burden. Every additional percentage point of borrowing cost on debt held by the public eventually represents hundreds of billions of dollars in additional annual interest.

BONDS ARE NOW COMPETING WITH STOCKS
Long-duration Treasury bonds have suffered enormous price declines, with TLT more than 50% below its 2020 peak. Meanwhile, yields have risen enough that Treasuries can now offer returns comparable to the S&P 500’s earnings yield. That gives investors less incentive to accept stock-market risk unless expected returns are substantially higher.

BONDS ARE ALSO COMPETING WITH RENTAL PROPERTY
Treasury yields have climbed to roughly the same level as rental-property rates. An investor can potentially earn similar income from government bonds without tenants, repairs, property management, or many of the risks involved with owning real estate. If rates remain this high, rental-property prices may eventually need to fall for expected returns to become competitive again.

WHAT HAPPENS NEXT
If oil falls, inflation cools, and the Fed avoids additional tightening, yields and mortgage rates could decline. If oil remains above $100, inflation stays elevated, and mortgage rates approach 8%, housing demand would face more pressure. Unlike 2008, however, most homeowners have significant equity and low fixed-rate mortgages, making a slow inflation-adjusted decline or prolonged stagnation more plausible than widespread forced selling. Markets with heavy construction, excess inventory, and investor ownership would likely feel the pressure first.

Timestamps:
00:00:00 – Intro | Mortgage Rates Skyrocket
00:01:21 – Treasury Prices Rise
00:03:57 – The Bond Collapse
00:06:08 – How To Prepare
00:07:48 – Home Prices
00:10:08 – The Debt Spiral
00:12:48 – What Happens Next

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WSJ’s Nicholas Miller explains in three charts whether 7 percent mortgage rates will become the new normal in the housing market.

#Mortgage #Housing #WSJ

Search the price data in your city now: https://www.reventure.app/map?geo=county&datapoint=home_value_growth_rate&zoom=4.714036478566297&lnglat=%7B%22lng%22%3A-89.26193478181128%2C%22lat%22%3A33.53719791707992%7D

A new ABC News report is raising fresh concerns about the US housing market as buyer demand continues to weaken heading into fall 2026.

Existing home sales fell to just 3.93 million in August, while months of supply increased to 4.88 months, the highest level since 2015. With sales near historically weak levels and more homes sitting on the market, sellers are starting to feel significantly more pressure in the parts of the country where inventory has surged.

And I’m seeing exactly what that looks like on the ground.

In this video, I’m in Frisco, Texas, one of America’s wealthiest and most desirable suburbs, where home prices are now falling hard. Collin County values are already down roughly 10% from the 2022 peak, while some ZIP codes have experienced declines approaching 20%.

That’s happening despite median household incomes above $180,000, highly rated schools, major corporate relocations, and years of strong population growth.

In this video, I break down:

• The new ABC News housing market report
• Why existing home sales remain near historic lows
• Why housing supply is now at an 11-year high
• Homes in North Texas down 20%+ from recent values
• Sellers making $80,000+ price cuts
• Why high-income neighborhoods are now getting hit
• How new construction is putting more pressure on prices
• Why Texas home prices could fall further in 2027
• When buyers should start making aggressive offers
• How I recently bought a house for $160,000 less than the previous owner paid

One of the biggest changes in the housing market right now is that this downturn is no longer limited to lower-income or heavily distressed neighborhoods.

We’re now seeing significant price declines in affluent areas with strong schools, high incomes, and major job growth. That’s important because many homeowners still believe their neighborhood is protected from a correction.

Texas is also showing what happens when a market continues building through a slowdown. More homes and apartments mean more competition between sellers, which ultimately puts downward pressure on prices and rents.

The big question now is how much further home prices need to fall before buyers finally return.

CHECK YOUR LOCAL HOUSING MARKET:

Use Reventure App to see our 2027 home price forecast, overvaluation data, mortgage payment-to-income ratios, inventory trends, and more for your ZIP code, county, and metro.

You can also use our Listing Tool Analyzer to evaluate individual homes and see how aggressively you may be able to negotiate.

https://www.reventure.app/

If you’re buying a home or investing in real estate over the next year, make sure you understand what’s happening in your specific neighborhood. The housing market is becoming increasingly local, and the difference between one ZIP code and another can be massive.

SUBSCRIBE for on-the-ground housing market updates, home price forecasts, real estate data, and coverage of the cities experiencing the biggest housing market shifts in America.

#HousingMarket #RealEstate #HousingCrash #TexasHousingMarket #DallasRealEstate #FriscoTexas #HomePrices

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—————–
Are we seeing a US housing market foreclosure wave? We break down the latest 2026 data to see if a major shift is finally arriving.

Foreclosure filings in the US housing market have increased by 21% during the first six months of 2026 compared to the same period last year. This analysis examines why completed foreclosures saw a 20% jump in June 2026 alone, signaling a potential trend reversal that investors and homeowners need to understand. By looking at these current statistics, we can better assess the risks currently building within the real estate sector.

This video is designed for real estate investors and homeowners concerned about economic instability. We look beyond the headlines to provide a clear picture of rising foreclosure rates and what they mean for property values. Understanding these real estate trends is essential for anyone looking to navigate the current financial environment without making reactive decisions based on speculation. We focus on the hard data to help you prepare for possible changes in your local area.

0:00 Are Foreclosures Making a Comeback?
1:45 Decoding the Latest Foreclosure Data
2:52 Why This Isn’t 2008 All Over Again
7:52 The Short-Term Rental Boom and Its Aftermath
12:11 How Distressed Sales Could Reshape Local Markets
—————–
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These are 12 Questions to Ask A Real Estate Agent When Selling a House. Let me show you How to Choose a Listing Realtor!

When you are in the process of interviewing Realtors to help you sell a house / sell a home, there are certain questions that you need to ask in order to make sure you pick the best Real Estate Agent for the job.

1. What percent of your business is listings / homes for sale
2. How many listings do you currently have on the market
3. How many homes have you SOLD in the last year
4. How many of your listings did NOT sell or expired
5. What is your average days on market for the homes you sold
6. What is your average list to sales price for the homes you sold
7. Have you recently sold a home in our community or area
8. Do you take professional real estate photos for your listings
9. What websites will my house be shown on beyond Realtor.com
10. What is your real estate marketing strategy / marketing plan
11. Do you use social media marketing for your listings
12. What is your communication and feedback strategy

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Mike Sherrard is a top Realtor / top producing real estate agent in Calgary, Alberta with Redline Real Estate Group, who specializes in luxury real estate and innovative real estate marketing strategies.

He also helps Real Estate Agents generate online leads using Facebook Marketing strategies paired with ManyChat automation, as well as help agents build their personal brand and become top of mind.

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This is the Ultimate Listing Marketing Strategy: a proven system combining professional photos, engaging video tours, targeted Facebook ads, and strategic social media content to maximize exposure, generate buyer and seller leads, and elevate your real estate brand. Designed to impress clients, secure repeat business, and outshine competitors, this strategy ensures faster property sales while scaling your success.

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Timestamps
00:00 Introduction
00:37 Goals And Outcomes
05:21 Timeline
07:31 Pre-Launch
20:30 Listing Launch
23:53 Facebook Ads
38:40 Facebook Business Page
39:08 Facebook Marketplace
39:39 Short Form Content
40:48 Post Launch
41:03 Open House
43:15 Under Contract
45:16 Sold
46:31 Sold Promotion
49:50 YouTube
51:04 Partner With Me!

_________________________________

#Realtor #RealEstateAgent #eXpRealty

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Homeowners are seeing a sharp decline in home equity, with $79 billion in wealth lost recently. Learn what this shift means for your property.

This update analyzes the current state of home equity and why record wealth levels are rapidly diminishing. If you own a home or are tracking housing market trends, understanding these figures is essential for managing your financial outlook.

We break down the specific factors contributing to this decline in homeowner wealth and what the data suggests for the broader real estate market. By examining the recent loss in equity, you will gain a clearer picture of how economic shifts are impacting individual property values today.

Subscribe for weekly real estate market breakdowns, and comment below if you have noticed changes in your local property values.

0:00 The Vanishing Equity Crisis
0:56 The Shrinking Equity Cushion
1:58 The Truth About Underwater Mortgages
4:43 The Vulnerability of Recent Buyers
7:31 The Midwest Housing Warning
11:50 Starter Home Demand Vanishes
17:09 UWM at The Top of the List For Mortgage Defaults

FTC Legal Disclaimer – Some links found in the description box of my videos may be affiliate links, meaning I will make commission on purchases you make through my link. This is at no extra cost to you to use my links/codes, it’s just one more way to support the channel!

DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Michael Bordenaro is not a registered financial advisor. Your use of Michael Bordenaro’s YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Michael Bordenaro does not establish a formal business relationship.

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