{"id":4269,"date":"2022-07-28T05:00:04","date_gmt":"2022-07-28T10:00:04","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/a-real-estate-professional-helps-you-separate-fact-from-fiction\/"},"modified":"2022-07-28T05:00:04","modified_gmt":"2022-07-28T10:00:04","slug":"a-real-estate-professional-helps-you-separate-fact-from-fiction","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/a-real-estate-professional-helps-you-separate-fact-from-fiction\/","title":{"rendered":"A Real Estate Professional Helps You Separate Fact from Fiction"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/07\/27092719\/20220728-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"A Real Estate Professional Helps You Separate Fact from Fiction | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>If you\u2019re following the news, chances are you\u2019ve seen or heard some headlines about the housing market that don\u2019t give the full picture. The real estate market is shifting, and when that happens, it can be hard to separate fact from fiction. That\u2019s where a trusted real estate professional comes in. They can help debunk the headlines so you can really understand today\u2019s market and what it means for you.<span id=\"more-46904\"><\/span><\/p>\n<p>Here are three common housing market myths you might be hearing, along with the expert analysis that provides better context.<\/p>\n<h4><strong>Myth 1: Home Prices Are Going To Fall<\/strong><\/h4>\n<p>One piece of fiction many buyers may have seen or heard is that <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/07\/25\/whats-causing-ongoing-home-price-appreciation\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">home prices<\/a> are going to crash. That\u2019s because headlines often use similar, but different, <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\">terms<\/a> to describe what\u2019s happening with prices. A few you might be seeing right now include:<\/p>\n<ul>\n<li><em>Appreciation<\/em>, or an increase in home prices.<\/li>\n<li><em>Depreciation<\/em>, or a decrease in home prices.<\/li>\n<li>And d<em>eceleration<\/em>, which is an increase in home prices, but at a slower pace.<\/li>\n<\/ul>\n<p>The fact is, <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/07\/12\/expert-housing-market-forecasts-for-the-second-half-of-the-year\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">experts<\/a> aren\u2019t calling for a decrease in prices. Instead, they forecast <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/07\/21\/think-home-prices-are-going-to-fall-think-again\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">appreciation will continue<\/a>, just at a decelerated pace. That means home prices will continue rising and won\u2019t fall. Selma Hepp, Deputy Chief Economist at<em> CoreLogic, <\/em><a href=\"https:\/\/www.bankrate.com\/real-estate\/housing-market-predictions\/\" target=\"_blank\" rel=\"nofollow noopener\">explains<\/a>:<\/p>\n<blockquote>\n<p><em>\u201c. . . higher mortgage rates coupled with more inventory will lead to slower home price growth<strong> but unlikely declines in home prices<\/strong>.\u201d<\/em><\/p>\n<\/blockquote>\n<h4><strong>Myth 2: The Housing Market Is in a Correction<\/strong><\/h4>\n<p>Another common myth is that the housing market is in a correction. Again, that\u2019s not the case. Here\u2019s why. According to <a href=\"https:\/\/www.forbes.com\/advisor\/investing\/what-is-market-correction\/\" target=\"_blank\" rel=\"nofollow noopener\"><em>Forbes<\/em><\/a><em>:<\/em><\/p>\n<blockquote>\n<p><em>\u201cA correction is a sustained decline in the value of a market index or the price of an individual asset. <strong>A correction is generally agreed to be a 10% to 20% drop in value from a recent peak.<\/strong>\u201d<\/em><\/p>\n<\/blockquote>\n<p>As mentioned above, home prices are still appreciating, and experts project that will continue, just at a slower pace. That means the housing market <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/06\/14\/is-the-housing-market-correcting\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">isn\u2019t in a correction<\/a> because prices aren\u2019t falling. It\u2019s just moderating compared to the last two years, which were record-breaking in nearly every way.<\/p>\n<h4><strong>Myth 3: The Housing Market Is Going To Crash<\/strong><\/h4>\n<p>Some headlines are generating worry that the housing market is a bubble ready to burst. <strong>But experts say today is <\/strong><a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/07\/14\/housing-experts-say-this-isnt-a-bubble\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\"><strong>nothing like 2008<\/strong><\/a><strong>.<\/strong> One of the reasons why is because lending standards are very different today. Logan Mohtashami, Lead Analyst for <em>HousingWire,<\/em> <a href=\"https:\/\/www.housingwire.com\/articles\/will-mortgage-lending-get-tighter-in-the-next-recession\/\" target=\"_blank\" rel=\"nofollow noopener\">explains<\/a>:<\/p>\n<blockquote>\n<p><em>\u201cAs recession talk becomes more prevalent, some people are concerned that mortgage credit lending will get much tighter. This typically happens in a recession, however, <strong>the notion that credit lending in America will collapse as it did from 2005 to 2008 couldn\u2019t be more incorrect, as we haven\u2019t had a credit boom in the period between 2008-2022<\/strong>.\u201d<\/em><\/p>\n<\/blockquote>\n<p>During the last <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/06\/27\/two-reasons-why-todays-housing-market-isnt-a-bubble\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">housing bubble<\/a>, it was much easier to get a mortgage than it is today. Since then, <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> have tightened significantly, and purchasers who acquired a mortgage over the last decade are much more qualified than they were in the years leading up to the crash.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>No matter what you\u2019re hearing about the housing market, let\u2019s connect. That way, you\u2019ll have a knowledgeable authority on your side that knows the ins and outs of the market, including current trends, historical context, and so much more.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re following the news, chances are you\u2019ve seen or heard some headlines about the housing market that don\u2019t give the full picture. The real estate market is shifting, and when that happens, it can be hard to separate fact from fiction. That\u2019s where a trusted real estate professional comes in. They can help debunk [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4270,"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-4269","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>A Real Estate Professional Helps You Separate Fact from Fiction&#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\/a-real-estate-professional-helps-you-separate-fact-from-fiction\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Real Estate Professional Helps You Separate Fact from Fiction&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re following the news, chances are you\u2019ve seen or heard some headlines about the housing market that don\u2019t give the full picture. The real estate market is shifting, and when that happens, it can be hard to separate fact from fiction. That\u2019s where a trusted real estate professional comes in. 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