{"id":4222,"date":"2022-06-27T05:00:19","date_gmt":"2022-06-27T10:00:19","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/two-reasons-why-todays-housing-market-isnt-a-bubble\/"},"modified":"2022-11-16T14:30:02","modified_gmt":"2022-11-16T20:30:02","slug":"two-reasons-why-todays-housing-market-isnt-a-bubble","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/two-reasons-why-todays-housing-market-isnt-a-bubble\/","title":{"rendered":"Two Reasons Why Today\u2019s Housing Market Isn\u2019t a Bubble"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/24130531\/20220627-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Two Reasons Why Today\u2019s Housing Market Isn\u2019t a Bubble | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>You may be reading headlines and hearing talk about a potential housing bubble or a crash, but it\u2019s important to understand that the data and expert opinions tell a different story. A <a href=\"https:\/\/pulsenomics.com\/surveys\/#home-price-expectations\" target=\"_blank\" rel=\"nofollow noopener\">recent survey<\/a> from <em>Pulsenomics<\/em> asked over one hundred housing market experts and real estate economists if they believe the housing market is in a <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/21\/why-this-housing-market-is-not-a-bubble-ready-to-pop\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">bubble<\/a>. The results indicate most experts don\u2019t think that\u2019s the case <em>(see graph below)<\/em>:<span id=\"more-46728\"><\/span><\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/24130532\/20220627-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-46732\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/24130532\/20220627-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"Two Reasons Why Today\u2019s Housing Market Isn\u2019t a Bubble | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><strong>As the graph shows, a strong majority (60%) said the real estate market is not currently in a bubble. <\/strong>In the same survey, experts give the following reasons why this isn\u2019t like 2008:<\/p>\n<ul>\n<li>The recent growth in <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/06\/16\/home-price-deceleration-doesnt-mean-home-price-depreciation\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">home prices<\/a> is because of demographics and low inventory<\/li>\n<li>Credit risks are low because underwriting and <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/06\/01\/why-home-loans-today-arent-what-they-were-in-the-past\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">lending standards<\/a> are sound<\/li>\n<\/ul>\n<p>If you\u2019re concerned a crash may be coming, here\u2019s a deep dive into those two key factors that should help ease your concerns.<\/p>\n<h4><strong>1. Low Housing Inventory Is Causing Home Prices To Rise<\/strong><\/h4>\n<p>The supply of homes available for sale needed to sustain a normal real estate market is approximately <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/28\/what-you-need-to-know-about-selling-in-a-sellers-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">six months<\/a>. Anything more than that is an overabundance and will causes prices to depreciate. Anything less than that is a shortage and will lead to continued price appreciation.<\/p>\n<p>As the graph below shows, there were too many homes for sale from 2007 to 2010 (many of which were short sales and <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/05\/12\/what-you-actually-need-to-know-about-the-number-of-foreclosures-in-todays-housing-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">foreclosures<\/a>), and that caused prices to tumble. Today, there\u2019s still a <a href=\"https:\/\/www.nar.realtor\/research-and-statistics\/housing-statistics\/existing-home-sales\" target=\"_blank\" rel=\"nofollow noopener\">shortage of inventory<\/a>, which is causing ongoing home price appreciation <em>(see graph below):<\/em><\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/24130528\/20220627-MEM-Eng-2.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-46729\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/24130528\/20220627-MEM-Eng-2.png?resize=650%2C488&#038;ssl=1\" alt=\"Two Reasons Why Today\u2019s Housing Market Isn\u2019t a Bubble | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>Inventory is nothing like the last time. Prices are rising because there\u2019s a healthy demand for homeownership at the same time there\u2019s a limited supply of homes for sale. Odeta Kushi, Deputy Chief Economist at <em>First American, <\/em>explains:<\/p>\n<blockquote>\n<p><em>\u201cThe fundamentals driving house price growth in the U.S. remain intact. . . . The demand for homes continues to exceed the supply of homes for sale, which is keeping house price growth high.\u201d<\/em><\/p>\n<\/blockquote>\n<h4><strong>2. Mortgage Lending Standards Today Are Nothing Like the Last Time<\/strong><\/h4>\n<p>During the housing bubble, it was much easier to get a mortgage than it is today. Here\u2019s a graph showing the <a href=\"https:\/\/www.newyorkfed.org\/medialibrary\/interactives\/householdcredit\/data\/pdf\/hhdc_2022q1.pdf\" target=\"_blank\" rel=\"nofollow noopener\">mortgage volume<\/a> issued to purchasers with a credit score less than 620 during the housing boom, and the subsequent volume in the years after:<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/24130529\/20220627-MEM-Eng-3.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-46730\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/06\/24130529\/20220627-MEM-Eng-3.png?resize=650%2C488&#038;ssl=1\" alt=\"Two Reasons Why Today\u2019s Housing Market Isn\u2019t a Bubble | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>This graph helps show one element of why mortgage standards are nothing like they were the last time. Purchasers who acquired a mortgage over the last decade are much more qualified than they were in the years leading up to the crash. <em>Realtor.com <\/em>notes:<\/p>\n<blockquote>\n<p><em>\u201c<strong>. . . Lenders are giving mortgages only to the most qualified borrowers. <\/strong>These buyers are less likely to wind up in foreclosure.\u201d<\/em><\/p>\n<\/blockquote>\n<p><strong>Bottom Line<\/strong><\/p>\n<p>A majority of experts agree we\u2019re not in a housing bubble. That\u2019s because home price growth is backed by strong housing market fundamentals and lending standards are much tighter today. If you have questions, let\u2019s connect to discuss why today\u2019s housing market is nothing like 2008.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may be reading headlines and hearing talk about a potential housing bubble or a crash, but it\u2019s important to understand that the data and expert opinions tell a different story. A recent survey from Pulsenomics asked over one hundred housing market experts and real estate economists if they believe the housing market is in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4223,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-4222","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Two Reasons Why Today\u2019s Housing Market Isn\u2019t a Bubble&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/two-reasons-why-todays-housing-market-isnt-a-bubble\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Two Reasons Why Today\u2019s Housing Market Isn\u2019t a Bubble&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"You may be reading headlines and hearing talk about a potential housing bubble or a crash, but it\u2019s important to understand that the data and expert opinions tell a different story. 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