{"id":5803,"date":"2024-04-24T05:30:00","date_gmt":"2024-04-24T10:30:00","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/foreclosure-numbers-are-nothing-like-the-2008-crash\/"},"modified":"2024-04-24T05:30:00","modified_gmt":"2024-04-24T10:30:00","slug":"foreclosure-numbers-are-nothing-like-the-2008-crash","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/foreclosure-numbers-are-nothing-like-the-2008-crash\/","title":{"rendered":"Foreclosure Numbers Are Nothing Like the 2008 Crash"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240423\/20240424-Foreclosure-Numbers-Are-Nothing-Like-the-2008-Crash.png?ssl=1\" alt=\"Foreclosure Numbers Are Nothing Like the 2008 Crash Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear: both;max-width: 100%\" \/><\/p>\n<p>If you\u2019ve been keeping up with the news lately, you\u2019ve probably come across some articles saying the number of <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/02\/02\/theres-no-foreclosure-wave-in-sight-infographic\/\" rel=\"noopener noreferrer\" target=\"_blank\">foreclosures<\/a> in today\u2019s housing market is going up. And that may leave you feeling a bit worried about what\u2019s ahead, especially if you owned a home during the <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/02\/29\/why-we-arent-headed-for-a-housing-crash\/\" rel=\"noopener noreferrer\" target=\"_blank\">housing crash<\/a> in 2008.<\/p>\n<p><strong>The reality is, while increasing, the data shows a foreclosure crisis is not where the market is headed.<\/strong><\/p>\n<p>Here\u2019s the latest information stacked against the historical data to put your mind at ease.<\/p>\n<h4><strong>The Headlines Make the Increase Sound Dramatic \u2013 But It\u2019s Not<\/strong><\/h4>\n<p>The increase the media is calling attention to is a little bit misleading. That\u2019s because it\u2019s comparing the most recent numbers to a time when foreclosures were at historic lows. And that lopsided comparison is making it sound like a much bigger deal than it actually is.<\/p>\n<p>Back in 2020 and 2021, there was a moratorium and forbearance program that helped millions of homeowners <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/03\/19\/homeowners-today-have-options-to-avoid-foreclosure\/\" rel=\"noopener noreferrer\" target=\"_blank\">avoid foreclosure<\/a> during challenging times. That\u2019s why numbers for just a few years ago were so low.<\/p>\n<p>Now that the moratorium has come to an end, foreclosures are resuming and that means numbers are rising. But it\u2019s an expected increase, not a surprise, and not a cause for alarm.&nbsp;Just because foreclosure filings are up doesn\u2019t mean the <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/03\/15\/the-latest-trends-in-housing-infographic\/\" rel=\"noopener noreferrer\" target=\"_blank\">housing market<\/a> is in trouble.<\/p>\n<p>To prove that to you, let\u2019s expand the comparison out a bit more. Specifically, we\u2019ll go all the way back to the housing crash in 2008 \u2013 since that\u2019s what people worry may happen again.<\/p>\n<p>The graph below uses <a href=\"https:\/\/www.attomdata.com\/news\/market-trends\/foreclosures\/attom-2023-year-end-u-s-foreclosure-market-report\/\" rel=\"noopener noreferrer\" target=\"_blank\">research<\/a> from <em>ATTOM<\/em>, a property data provider, to show foreclosure activity has been consistently lower since the crash in 2008:<\/p>\n<p>&nbsp;<a href=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240423\/20240424-Foreclosure-Activity-Increases-But-Still-Below-Pre-Pandemic-Levels.png?ssl=1\" rel=\"noopener noreferrer\" target=\"_blank\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240423\/20240424-Foreclosure-Activity-Increases-But-Still-Below-Pre-Pandemic-Levels.png?ssl=1\" alt=\"No Caption Received\"><\/a><\/p>\n<p><\/p>\n<p>What the data shows is that things now aren\u2019t anything like they were surrounding the housing crash. The bars in red are when there were over 1 million foreclosure filings a year. In 2023, there were roughly 357,000. That\u2019s a big difference.<\/p>\n<p>A recent article from <em>Bankrate<\/em> explains one of the reasons things aren\u2019t like they were back then:<\/p>\n<blockquote><p><em>\u201c<\/em><strong><em>In the years after the housing crash, millions of foreclosures flooded the housing market, depressing prices. That\u2019s not the case now.<\/em><\/strong><em> Most homeowners have a comfortable equity cushion in their homes.\u201d <\/em><\/p><\/blockquote>\n<p>Basically, foreclosure activity is nothing like it was during the crash. That\u2019s because most homeowners today have <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/02\/08\/home-equity-can-be-a-game-changer-when-you-sell\/\" rel=\"noopener noreferrer\" target=\"_blank\">enough equity<\/a> to keep them from going into <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/01\/09\/ways-your-home-equity-can-help-you-reach-your-goals\/\" rel=\"noopener noreferrer\" target=\"_blank\">foreclosure<\/a>. And that\u2019s a really good thing for homeowners and for the market.<\/p>\n<p><strong>The reality is, the data shows a foreclosure crisis is not where the market is today, or where it\u2019s headed.<\/strong><\/p>\n<h3>Bottom Line<\/h3>\n<p><span style=\"color: black\">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 home prices.<\/span><\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve been keeping up with the news lately, you\u2019ve probably come across some articles saying the number of foreclosures in today\u2019s housing market is going up. And that may leave you feeling a bit worried about what\u2019s ahead, especially if you owned a home during the housing crash in 2008. The reality is, while [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5804,"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-5803","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 v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Foreclosure Numbers Are Nothing Like the 2008 Crash&#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\/foreclosure-numbers-are-nothing-like-the-2008-crash\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Foreclosure Numbers Are Nothing Like the 2008 Crash&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"If you\u2019ve been keeping up with the news lately, you\u2019ve probably come across some articles saying the number of foreclosures in today\u2019s housing market is going up. 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