Experts seem all over the place. Some predict 10% gains, while others say we could see a 10% drop. It’s like no one can agree on anything. But one thing’s for sure: mortgage rates are playing a huge role. Higher rates could keep some buyers out of the market, slowing down demand.
Yeah, that’s true. But I also think it depends on the region. Some areas are still seeing high demand, especially where inventory is tight. Prices might dip in some cities, but others could see more stability or even price increases if demand remains high
I’m leaning toward the idea that prices will climb a bit in some areas, especially with inflation still being an issue. People want to hedge against inflation, and real estate is often seen as a safe bet. Plus, with these mortgage rates, fewer homes are being sold, which could drive prices up because of limited supply.
It’s all about the balance between supply and demand. The higher rates are keeping people from selling, and that’s creating a kind of scarcity, even though there’s still a lot of uncertainty
I’m also wondering how long this is all going to last. The Fed’s new forecasts are shaking up expectations for 2025, and I think it’ll take a while for the market to adjust. If rates stay higher for longer, that could suppress buyer enthusiasm, which might cool down price growth
That’s a great point, but I think it's important to have a clear strategy. Trying to predict what will happen next year can be tough, but there are ways to navigate it. You really need to know your finances and how to make the best of the situation. I’ve been thinking about getting some expert advice
Don't simply retire from something; have something to retire to. Start saving, keep saving, and stick to investments. Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
It’s really heartbreaking to see how inflation and recession impact low-income families. The cost of living keeps rising, and many struggle just to meet basic needs, let alone save or invest. It’s a reminder of the importance of finding ways to create financial opportunities. You've helped me a lot sir Robert! Imagine i invested $50,000 and received $190,500 after 14 days
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Robert L Cox.
LOL, realtors are never going to tell you that prices are going down. If they did that most would put a hold buying a house waiting for the price decline. Guess what that would do to the realtors? You got it, put them out of an job.
I moved from Tampa to Santa Clara a few months ago and I’m thinking of purchasing a single family home there, but with real estate prices currently through the roof, is it still a good idea to buy a home or should I invest in stocks for now and just wait for a housing market correction? Looks like NVDA, TSM and AMD and AVGO are strong buys this week.
well you could put a downpayment on a home and as well diversify as much as you can into Ai, energy and big pharm. stocks like Pfizer and JnJ, ASML, MLM and S&P 500 ETFs. I’d suggest you go with a managed portfolio, but even those don’t perform so well, so it’s best you reach out to a proper fiduciary to guide you, that’s what works for my spouse and I making a whooping $738k in Q4 last year
There are many advisors to choose from. But I work with *Layan Talia Chokr* and we've been working together for years and she's fantastic. You could check her if she meets your requirements. Just research the name. You’d find necessary details to work with
Thanks for the recommendation, I just googled her and I'm really impressed with her credentials, I reached out to her since I need all the assistance I can get.
fear a housing crash due to people buying homes above asking prices with little equity. If prices drop, affordability and potential foreclosures may arise, worsened by future layoffs and rising living costs. I want to invest more than $300k, but I'm not sure on how to mitigate risk.
Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!
That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!
When ‘Melissa Terri Swayne is trading, there's no nonsense and no excuses. She wins the trade and you win. Take the loss, I promise she'll take one with you.
I just looked her up on the internet and found her webpage with her credentials. I wrote her an outlining my financial objectives and planned a call with her.
Historically speaking the shat hits the fan about 6 mos.on average after the fed starts cutting rates. We are 3 months into it. Watch layoffs and commercial real estate this first quarter. At the very least I expect housing inventory to exceed 2024 levels and near or equal pre pandemic levels.
@@ryanmendenhall7121 it depends what the home costs if your buying a 500,000 home its ideal if u can put down 200k or else your digging a hole for yourself
According to every real estate agent and mortgage broker the best time to buy a house and the best time to sell a house is always today. Just like car salesmen. Look at the graphs and the long term trend. If this insane explosion in prices over the past 5-6 years doesn't come back down to the long term median it will be the first time in history. They always say "it's different this time".
Keep waiting all you want. Waiting to buy real estate is like waiting to buy stock. It’s not about “timing the market”, it’s about “time IN the market” Merry Christmas 🎄!
@@MattTheMortgageGuy Buying into the most massive housing bubble in history at the peak is not like investing smartly into equities. You can't dollar cost average your way down in a falling Real Estate market. And even Warren Buffet moved to cash in this market. If you buy a house in a massive bubble market now there's a very good chance that you will lose your tail if you try to sell it within the next 10+ years. See 2006-2016 market. Don't expect a mortgage broker or real estate agent to tell you that, ever. Their livelihood depends on you not believing it and their industry is suffering massive job cuts due to the awful real estate market.
@MattTheMortgageGuy even though you say lower in the future than current, you still measure that with "not much lower.". And offset with increased purchase prices. In reality, I suspect those theories are rosey propaganda to illicit calm. Propagated mainly by the institutional investors that bought up all the supply to drive prices higher who now yearn to quietly leave the market before the bottom falls out because they know what's coming. That propaganda is then supported by other self interested parties. Such as mortgage brokers.
@ Maybe I’m wrong, but I believe we will have a price correction in 2025. Too many things going on and houses have gone crazy high. I remember finding abandoned new homes everywhere in 2019 after the bubble. Things were sketchy. In 2018 my business had a profit of 1.87M and we lost money in 2019. I’m in no hurry since my home is paid off and I have cash ready to go.
@@MattTheMortgageGuy homes will drop cause job losses will occur cause of the tariffs trump is going to add to Canada and Mexico don't think Canada is gonna sit back cause they are removing every USA product and alcohol off the shelves as we speak USA is pretty screwed for whats to come
weather prediction is not perfect, and even the most accurate forecasts can be inaccurate due to the complex and dynamic nature of the atmosphere, especially when predicting weather far in advance; the further out the forecast, the more likely it is to change significantly. You "Experts" are all full of shit . IF this happens but if ..
Since housing continues to be demanding need, it only seems natural to rise prices and continue to asked by sellers. I have seen homes for 50-500 days where prices have fluctuated but as soon as rates dip, prices jump. This also can be area specific, I’m in Bozeman….sellers still have the upper hand. Homeownership has recently become a luxury, ability to rent is being lucky and fortunate….in the other hand, many are homeless or living in tents or cars or rvs along the street. We are a market economy, and real estate is a very lucrative industry, average wage earners will be out priced out of the market.
Matt I suppose to close on a house in 10 days and to be honest I rather gave up my 20k deposit because more I look at next couple of years makes me feel I will regret my decision
I just wrote SO MUCH and somehow deleted it. Bottom line: get a lawyer to add as many provisions as possible to your ten days. Get as many professionals in there NOW, full electrical, full plumbing, how much to repaint, etc. DEMAND to know of any previous damage or remodels. I sold in 2022 and bought this in 2023, it was a full year of housing turmoil. However, I was ready to let $75k deposit go due to concerns I wish I hadn't overlooked. Check. For. Mold. *Make sure all appliances and electrical etc are up to code and insurable. If they have lived there for decades and only have 10 days to close- get professional DEEP cleaning into the contract. Among a lot of other things NOW. Best of luck!!! I'd start with the attorney to make sure you can get all professional reports in before closing. I mean, thinking back I guess I didn't have much choice. I would buy this beast again but for AT LEAST 100k less and requiring issues that don't seem like issues be handled 'cause they are issues.
Subscribe to the Channel - www.youtube.com/@MattTheMortgageGuy?sub_confirmation=1
Experts seem all over the place. Some predict 10% gains, while others say we could see a 10% drop. It’s like no one can agree on anything. But one thing’s for sure: mortgage rates are playing a huge role. Higher rates could keep some buyers out of the market, slowing down demand.
Yeah, that’s true. But I also think it depends on the region. Some areas are still seeing high demand, especially where inventory is tight. Prices might dip in some cities, but others could see more stability or even price increases if demand remains high
I’m leaning toward the idea that prices will climb a bit in some areas, especially with inflation still being an issue. People want to hedge against inflation, and real estate is often seen as a safe bet. Plus, with these mortgage rates, fewer homes are being sold, which could drive prices up because of limited supply.
It’s all about the balance between supply and demand. The higher rates are keeping people from selling, and that’s creating a kind of scarcity, even though there’s still a lot of uncertainty
I’m also wondering how long this is all going to last. The Fed’s new forecasts are shaking up expectations for 2025, and I think it’ll take a while for the market to adjust. If rates stay higher for longer, that could suppress buyer enthusiasm, which might cool down price growth
That’s a great point, but I think it's important to have a clear strategy. Trying to predict what will happen next year can be tough, but there are ways to navigate it. You really need to know your finances and how to make the best of the situation. I’ve been thinking about getting some expert advice
Don't simply retire from something; have something to retire to. Start saving, keep saving, and stick to investments. Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
It’s really heartbreaking to see how inflation and recession impact low-income families. The cost of living keeps rising, and many struggle just to meet basic needs, let alone save or invest. It’s a reminder of the importance of finding ways to create financial opportunities. You've helped me a lot sir Robert! Imagine i invested $50,000 and received $190,500 after 14 days
Absolutely! Profits are possible, especially now, but complex transactions should be handled by experienced market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Robert L Cox.
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
Cox demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
LOL, realtors are never going to tell you that prices are going down. If they did that most would put a hold buying a house waiting for the price decline. Guess what that would do to the realtors? You got it, put them out of an job.
We need to go back to for sale by owner its not hard
How does that help?
I moved from Tampa to Santa Clara a few months ago and I’m thinking of purchasing a single family home there, but with real estate prices currently through the roof, is it still a good idea to buy a home or should I invest in stocks for now and just wait for a housing market correction? Looks like NVDA, TSM and AMD and AVGO are strong buys this week.
it’s a personal decision, but according to Forbes, housing activities will remain stagnant for the most part of the year, so maybe hold off a little.
well you could put a downpayment on a home and as well diversify as much as you can into Ai, energy and big pharm. stocks like Pfizer and JnJ, ASML, MLM and S&P 500 ETFs. I’d suggest you go with a managed portfolio, but even those don’t perform so well, so it’s best you reach out to a proper fiduciary to guide you, that’s what works for my spouse and I making a whooping $738k in Q4 last year
I’m an art collector, this is not very new to me but has a nuance to it. Can you assist me?
There are many advisors to choose from. But I work with *Layan Talia Chokr* and we've been working together for years and she's fantastic. You could check her if she meets your requirements. Just research the name. You’d find necessary details to work with
Thanks for the recommendation, I just googled her and I'm really impressed with her credentials, I reached out to her since I need all the assistance I can get.
fear a housing crash due to people buying homes above asking prices with little equity. If prices drop, affordability and potential foreclosures may arise, worsened by future layoffs and rising living costs. I want to invest more than $300k, but I'm not sure on how to mitigate risk.
Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!
That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!
Mind if I ask you to recommend this particular coach you using their service?
When ‘Melissa Terri Swayne is trading, there's no nonsense and no excuses. She wins the trade and you win. Take the loss, I promise she'll take one with you.
I just looked her up on the internet and found her webpage with her credentials. I wrote her an outlining my financial objectives and planned a call with her.
Historically speaking the shat hits the fan about 6 mos.on average after the fed starts cutting rates. We are 3 months into it. Watch layoffs and commercial real estate this first quarter. At the very least I expect housing inventory to exceed 2024 levels and near or equal pre pandemic levels.
Great vid boss. Merry Christmas
Happy holidays!
Good stuff.
Thanks!
Someone who only has 3% as a downpayment shouldn"t be buying a house.
Living in tents is better right?
@@ryanmendenhall7121 it depends what the home costs if your buying a 500,000 home its ideal if u can put down 200k or else your digging a hole for yourself
Great video thank you! It’s not what you “hear” it’s what you “see”. I’m seeing home prices fall but only slightly here in South Florida.
According to every real estate agent and mortgage broker the best time to buy a house and the best time to sell a house is always today. Just like car salesmen. Look at the graphs and the long term trend. If this insane explosion in prices over the past 5-6 years doesn't come back down to the long term median it will be the first time in history. They always say "it's different this time".
Keep waiting all you want. Waiting to buy real estate is like waiting to buy stock. It’s not about “timing the market”, it’s about “time IN the market”
Merry Christmas 🎄!
@@MattTheMortgageGuy Buying into the most massive housing bubble in history at the peak is not like investing smartly into equities. You can't dollar cost average your way down in a falling Real Estate market. And even Warren Buffet moved to cash in this market.
If you buy a house in a massive bubble market now there's a very good chance that you will lose your tail if you try to sell it within the next 10+ years. See 2006-2016 market. Don't expect a mortgage broker or real estate agent to tell you that, ever. Their livelihood depends on you not believing it and their industry is suffering massive job cuts due to the awful real estate market.
Inventory is shooting up sharply here in the south! Prices are dropping
Like they do every winter. 🤣
🤣
Prices will over the long term always go up… they only temporarily go down… if prices were to “drop” why aren’t houses still 50,000?
Home values are declining rapidly throughout Massachusetts.
How rapidly?
Dont ever trust a realtor. This is how they make their money. Who in their right mind would buy in this market.
Mortgage people always lean toward rates being higher in the future. Because they want you to act now. Not wait.
Negative ghostwriter. We’ve been saying lower in the future and selling temporary rate buydowns…
@MattTheMortgageGuy even though you say lower in the future than current, you still measure that with "not much lower.". And offset with increased purchase prices.
In reality, I suspect those theories are rosey propaganda to illicit calm. Propagated mainly by the institutional investors that bought up all the supply to drive prices higher who now yearn to quietly leave the market before the bottom falls out because they know what's coming. That propaganda is then supported by other self interested parties. Such as mortgage brokers.
@@davidshumway9639if I thought the bottom was gonna fall out I’d probably sell all my real estate holdings. I’m selling exactly 0% of what I own
house in the market will cripple soon, so many companies close down. People have to let go theirs house…36 trillion dollar of debt crazy
I’m waiting to replace my house until the drop.
What drop?
@ Maybe I’m wrong, but I believe we will have a price correction in 2025. Too many things going on and houses have gone crazy high. I remember finding abandoned new homes everywhere in 2019 after the bubble. Things were sketchy. In 2018 my business had a profit of 1.87M and we lost money in 2019. I’m in no hurry since my home is paid off and I have cash ready to go.
@@MattTheMortgageGuy homes will drop cause job losses will occur cause of the tariffs trump is going to add to Canada and Mexico don't think Canada is gonna sit back cause they are removing every USA product and alcohol off the shelves as we speak USA is pretty screwed for whats to come
In tech salaries are going down
No one can predict anything.
weather prediction is not perfect, and even the most accurate forecasts can be inaccurate due to the complex and dynamic nature of the atmosphere, especially when predicting weather far in advance; the further out the forecast, the more likely it is to change significantly.
You "Experts" are all full of shit . IF this happens but if ..
Two major factors that will keep prices elevated: low inventory and all of the folks sitting pretty with 2-3% mortgages.
Since housing continues to be demanding need, it only seems natural to rise prices and continue to asked by sellers. I have seen homes for 50-500 days where prices have fluctuated but as soon as rates dip, prices jump. This also can be area specific, I’m in Bozeman….sellers still have the upper hand.
Homeownership has recently become a luxury, ability to rent is being lucky and fortunate….in the other hand, many are homeless or living in tents or cars or rvs along the street. We are a market economy, and real estate is a very lucrative industry, average wage earners will be out priced out of the market.
Obviously, prices are going down. Crash for sure.
Lol
She said “for sure” tho
Matt I suppose to close on a house in 10 days and to be honest I rather gave up my 20k deposit because more I look at next couple of years makes me feel I will regret my decision
That's dumb
Buy the house, live in it for 10 years, you wont regret it once the market resolves.
You can find,ways to stop the deal. Don't give up your deposit.
You should be able to cancel without giving up on your deposit.
I just wrote SO MUCH and somehow deleted it. Bottom line: get a lawyer to add as many provisions as possible to your ten days. Get as many professionals in there NOW, full electrical, full plumbing, how much to repaint, etc. DEMAND to know of any previous damage or remodels.
I sold in 2022 and bought this in 2023, it was a full year of housing turmoil. However, I was ready to let $75k deposit go due to concerns I wish I hadn't overlooked.
Check. For. Mold. *Make sure all appliances and electrical etc are up to code and insurable. If they have lived there for decades and only have 10 days to close- get professional DEEP cleaning into the contract. Among a lot of other things NOW.
Best of luck!!! I'd start with the attorney to make sure you can get all professional reports in before closing. I mean, thinking back I guess I didn't have much choice. I would buy this beast again but for AT LEAST 100k less and requiring issues that don't seem like issues be handled 'cause they are issues.