{"id":4667,"date":"2023-01-25T05:30:49","date_gmt":"2023-01-25T11:30:49","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/why-you-shouldnt-fear-todays-foreclosure-headlines\/"},"modified":"2023-01-25T05:30:49","modified_gmt":"2023-01-25T11:30:49","slug":"why-you-shouldnt-fear-todays-foreclosure-headlines","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/why-you-shouldnt-fear-todays-foreclosure-headlines\/","title":{"rendered":"Why You Shouldn\u2019t Fear Today\u2019s Foreclosure Headlines"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/wp-content\/uploads\/2023\/01\/24120214\/why-you-shouldnt-fear-todays-foreclosure-headlines-kcm.jpg?w=358&#038;ssl=1\" alt=\"Why You Shouldn\u2019t Fear Today\u2019s Foreclosure Headlines Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear: both;max-width: 100%\" \/><\/p>\n<p>If you\u2019ve seen recent headlines about foreclosures surging in the housing market, you\u2019re certainly not alone. There\u2019s no doubt, the <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/10\/the-truth-about-negative-home-equity-headlines\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">stories<\/a> in the media can be pretty confusing right now. They may even make you think twice about buying a home for fear that prices could crash. The reality is, the data shows a foreclosure crisis is not where the market is headed, and understanding what that really means is mission critical if you want to know the truth about what\u2019s <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/11\/todays-housing-market-is-nothing-like-15-years-ago\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">happening today<\/a>. Here\u2019s a deeper look.<!--more--><\/p>\n<\/p>\n<p>According to the <a href=\"https:\/\/www.attomdata.com\/news\/market-trends\/foreclosures\/attom-year-end-2022-u-s-foreclosure-market-report\/\" target=\"_blank\" rel=\"nofollow noopener\"><em>Year-End 2022 U.S. Foreclosure Market Report<\/em><\/a> from <em>ATTOM<\/em>, <strong>foreclosure filings are up 115% from 2021, but down 34% from 2019. <\/strong>As media headlines grab onto this 115% increase, it\u2019s more important than ever to put that percentage into context.<\/p>\n<\/p>\n<p>While the number of foreclosure filings did more than double last year, we need to remember why that happened and how it compares to more normal, pre-pandemic years in the market. Thanks to the forbearance program and other relief options for homeowners, foreclosure filings were down to record-low levels in 2020 and 2021, so any increase last year is \u2014 no surprise \u2014 a jump up. Rick Sharga, Executive VP of Market Intelligence at <em>ATTOM,<\/em> <a href=\"https:\/\/www.attomdata.com\/news\/market-trends\/foreclosures\/attom-year-end-2022-u-s-foreclosure-market-report\/\" target=\"_blank\" rel=\"nofollow noopener\">notes<\/a>:<\/p>\n<blockquote><p><em>\u201cEighteen months after the end of the government\u2019s foreclosure moratorium, and with less than five percent of the 8.4 million borrowers who entered the CARES Act forbearance program remaining, <strong>foreclosure activity remains significantly lower than it was prior to the COVID-19 pandemic. It seems clear that government and mortgage industry efforts during the pandemic, coupled with a strong economy, have helped prevent millions of unnecessary foreclosures.\u201d<\/strong><\/em><\/p><\/blockquote>\n<p>Clearly, these options meant millions of homeowners could stay in their homes, allowing them to get back on their feet during a very challenging period. With home values rising at the same time, many homeowners who may have found themselves facing foreclosure under other circumstances were able to leverage their equity and sell their houses rather than face foreclosure, and that trend continues today.<\/p>\n<\/p>\n<p>And remember, as the graph below shows, <strong>foreclosures today are far below the record-high 2.9 million that were reported in 2010 when the housing market crashed<\/strong>.<\/p>\n<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2023\/01\/24115205\/us-foreclosure-activity-doubles-annually-but-still-below-pre-pandemic-levels-MEM.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-48708\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2023\/01\/24115205\/us-foreclosure-activity-doubles-annually-but-still-below-pre-pandemic-levels-MEM.png?resize=650%2C488&#038;ssl=1\" alt=\"Why You Shouldn\u2019t Fear Today\u2019s Foreclosure Headlines | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<\/p>\n<p>So, while foreclosures are rising, keeping perspective in mind is key. As Bill McBride, Founder and Author of <em>Calculated Risk<\/em>, <a href=\"https:\/\/calculatedrisk.substack.com\/p\/the-housing-bubble-and-mortgage-debt-76d\" target=\"_blank\" rel=\"nofollow noopener\">noted<\/a> just last week:<\/p>\n<blockquote><p><em>\u201cThe bottom line is there will be an increase in foreclosures over the next year (from record low levels), but there will not be a huge wave of distressed sales as happened following the housing bubble. <strong>The distressed sales during the housing bust led to cascading price declines, and that will not happen this time.\u201d<\/strong><\/em><\/p><\/blockquote>\n<p><h3><strong>Bottom Line<\/p>\n<p><\/strong><\/h3>\n<\/p>\n<p>Right now, putting the data into context is more important than ever. While the housing market is experiencing an expected rise in foreclosures, it\u2019s nowhere near the crisis levels seen when the housing bubble burst, and that won\u2019t lead to a crash in <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/20\/whats-really-happening-with-home-prices-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">home prices<\/a>.<\/p>\n<h3>Bottom Line<\/h3>\n<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve seen recent headlines about foreclosures surging in the housing market, you\u2019re certainly not alone. There\u2019s no doubt, the stories in the media can be pretty confusing right now. They may even make you think twice about buying a home for fear that prices could crash. The reality is, the data shows a foreclosure [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4668,"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-4667","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>Why You Shouldn\u2019t Fear Today\u2019s Foreclosure Headlines&#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\/why-you-shouldnt-fear-todays-foreclosure-headlines\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why You Shouldn\u2019t Fear Today\u2019s Foreclosure Headlines&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"If you\u2019ve seen recent headlines about foreclosures surging in the housing market, you\u2019re certainly not alone. 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