I'll hold my breath next time

which one of us is the issue?

@ I believe it’s your breathing I hear on the microphone

@@TheEducatedHomebuyerit’s Jeb’s lol. First time ever hearing this so tell him to calm down. I know he gets hot and heavy when talking about homes but save that fun stuff for off camera/mic lmfao

@@YourOfficialDailyAmerican007 lol 😂

Appreciate the support.

Thanks for the visit

@@TheEducatedHomebuyer I'll stop by and visit again I really appreciate the updates and information you share

Much appreciated

Much appreciated

Trump zealots always put words in his mouth. Its really frustrating

Thanks 👍

wanna bet?

@@TheEducatedHomebuyerbet for rates going and staying lower than 6.5% or going lower than 6.5% for a week or day of the year?

Rates were below 6.5% for about 60 days in 2024 and about 90 days in 2023. We'll take the over for 2025. Stay tuned.

@@TheEducatedHomebuyer I take that bet sit. I’m looking at the rates now and don’t want to drop lower than 6.9% it’s at 7.19% now

Thanks 👍

If the market is showing you consistent pricing over a 10 year span. its not a bubble. its a repricing event.

Lol

If you look at home affordability itself, and what it would take to normalize the market today, it's a 40%+ correction in price, or a 4% or so decline in rates, or a 55%+ growth in income or some combination of those. Those are massive movements we're talking about, and none of them are going to happen in a vacuum, and none of those one single factors are going to make the move.

@@ItsJustPreVR Hardly. US real estate and the MBS market they collateralize is the largest asset on the planet. It's not a penny stock or crypto subject to wild double digit price swings over hours or days. Price momentum up or down takes years to establish for a market of that scale. I agree with you the RE market was repriced- by the availability of extremely cheap mortgage debt. But that is over. Gone. And not coming back for many years. The 10 year hit 4.8% today. Mortgage rates will hit 8% again. Eventually higher for longer will create a new repricing event.. down. RE prices were up 77% in the decade leading up to the GFC so I am not sure what you are talking about.

@@jonathantaylor6926you’re going to need massive massive distress for a housing crash? How is that going to happen? You just said how the low rates caused this. I have a 2.5 interest rate. How and why would I loose that house? Loose it and then what?? I still have to live somewhere and pay even more in rent. My house isn’t going anywhere

You clicked it and came here just to leave this comment? You aren't a serious person.

​@@soundsnags2001 You came here and clicked "reply" just to leave that comment? I'll decide how my time is spent, thanks.

@@tradewisetv2801 Sorry, when I left the comment I didn't realize you were a child. As you were.

@ I missed your fist pump and self high five after those world class keystrokes. Can you do it again? I love to see the challenged beaming with pride.

There's the catch, plenty of "experts" also telling people rates will continue increasing....which set of "experts" is your contrarian indicator?

Appreciate it

Happy new year!!

We hate to share the bad news, but there's not some special type of interest on a HELOC. Both loans accrue interest on the average daily balance and you pay it in arrears at the end of the month. Also, once you fix a portion of an LOC, it's no longer a line of credit, it's an installment loan. No banks let you fix the rate, then borrow more funds in the future when rates have increased. If you can't pay down, then borrow the funds again as needed, velocity banking can never work. Sorry you drank the kool aid.

Not even Reventure Consulting would try and sell that story. Thanks for participating.

If you want to go there, you have about 10 better conspiracy theories to rely on then a gov't plot to raise revenue from property taxes. Federal policies caused the spike in home prices. State governments benefit from property taxes. No alignment of incentives but it doesn't stop creative theories...

Happy 2025!

@TheEducatedHomebuyer happy New year to you guys also I intend to enjoy the new year listing to all the updates and information you guys share thanks for everything

Thanks for the info! The audience is better than Google.

Many people are unable to afford homes at current prices and rates but over 4 million existing homes will sell in 2025 so many can and will buy this year.

i have hundreds listings saved in my folder around Forth Worth and new homes been on the market for 170 day with masive discounts no one is buying this homes right now and they are realy nice home low property taxes no HOA 1 and more acer of land

Sorry to hear you're going through a tough time. There are economic reasons to believe the interest rate situation will turn around here in Q1. We hope your business is booming soon. Thanks for watching.

Thank you for watching!

No need to be afraid. Just do your research. Both Jeb and I own properties in HOA's and are very happy.

The most important part of the pre-approval process is getting an ACCURATE estimate of your all in costs. In some parts of the country, it will add another 3%, other areas are less. But you have to know what you are looking at. It's also wise to have some additional funds set aside as nearly every buyer wants or needs to do some work to the home or purchase furnishings before moving in. Thanks for sharing!

🎉