Let’s discuss the 2022 housing market, the predictions made by experts according to MarketWatch, and why millennials are so bad with money. Enjoy! Add me on Instagram: GPStephan
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PREDICTIONS ACCORDING TO MARKETWATCH:
https://www.marketwatch.com/picks/reduced-competition-5-predictions-for-the-housing-market-in-2022-from-economists-and-real-estate-pros-01647616356?mod=home-page
First: MORTGAGE RATES WILL RISE.
As of today, mortgage rates have increased from 3.2% to 4.4%…which, is NOW the same level we saw back in 2019. It’s no surprise that rates will likely go a LOT HIGHER as the Federal Reserve continually raises rates for the foreseeable future…meaning, either demand will BEGIN to subside…or, buyers will rush to lock in a “low” rate while they still can.
Second: EXPECT LESS COMPETITION.
“The combination of rising interest rates and rising house prices will push some would-be buyers out of the market, which may result in reduced competition after the summer buying season is over.”
THIRD: HOME PRICE APPRECIATION WILL SLOW.
For example…CoreLogic expects housing prices to see a 6% increase throughout the next 12 months…Realtor .com predicts another 2.9% rise…and Zillow says that “supply chain bottlenecks and years of under-building will keep inventory relatively low for the foreseeable future.”…with prices peaking at 21.6% in May, before slowing back down.
FOURTH: EXPENSIVE HOMES WILL BECOME MORE AFFORDABLE, BUT “CHEAPER” HOMES WILL BECOME MORE COMPETITIVE.
MarketWatch quoted that “There are more listings at the upper end, homes priced above $500,000, compared to a year ago, which should lead to less hurried decisions by some buyers.” It’s also predicted that, as mortgage rates rise…buyers will be forced to shop within a lower pew point, driving up the competition in less expensive neighborhoods.
AND FINALLY, FIFTH: FORECLOSURES WILL RISE.
However, as a real estate professional myself…I have to say…I completely disagree with one. Even though foreclosure rates HAVE been increasing….data from RealtyTrac found that “most of the activity is primarily on vacant and abandoned properties, or loans that were in foreclosure prior to the pandemic.” Across the US, only 1 in 6675 housing units falls in this category…and, if we look back historically…we’re still WELL under historic averages, meaning – fewer people are underwater on their homes, far fewer people are going into foreclosure, and more people than ever have equity from which they can cash in on.
I’ve mentioned this before, but – in the BIG PICTURE – even though higher interest rates DIRECTLY impact home affordability – other factors, like local market conditions, demand, inventory, inflation, tax deductions, population changes, new construction, and the overall health of the economy play just as big of a factor…so, rising rates ALONE won’t do enough to cause prices to decline…BUT, they can.
The issue we have, today, isn’t so much of speculation, no money down, and free loans to anyone who wants a house…but, instead…a shortage of inventory, strong demand, and THAT is pushing prices higher.
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Most failures and loss on Investment usually happens when you invest without proper knowledge of the market. I was able to recover my losses with Mr jeffery
great expert in the market. Knowledgeable, level headed no loss like some other traders who recently jumped on the bandwagon.
What’s his Te l e g r am
Asking ?
this channel is nothing but doom and gloom lately
stop stoking fear man, it’s not cool..
The only time I ever hit your like button and I did it for the confetti
bro is gonna BOX LOL
Bro, how are you going to beat up Michael Reeves? He’s literally a cyborg
They probably think they have all the time in the world until old age creeps up on them.
Your kn the boxing card ? Hope you win
When will.we get an update on your training
Amazing. With all you listed. In my area I still saw people building and working , buying and selling.
Liar I see nothing on like button.
i can’t believe you are fighting michael reeves!!!
So You’re boxing now. Unreal
Interested to see your YouTuber boxing event with Idubzz!!!
What’s up Graham it’s guys here, lol
You gotta review the new Amex bank account
can you do a video on how you manage your homes not being in the area? I want to buy some investment homes but don’t want to stay in my current state long term and don’t want to have to sell when I move out of state.
0:12 – Well we now know why Graham has a cactus.
hmmm
The fed needs to raise rates 3x what they are planning to.
What’s up gram,,, just guys here
I am actually so hyped to watch you box Micheal Reeves this is crazy 🤣
What’s up Graham it’s guys here. Lol 😄
What about all the houses bought at a premium by Zillow and hedge funds? Will they just hold forever or will they sell soon?
Hi Graham. Big fan here. Smash the like button on the comment haha. 🙂
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The government should banned the Investors to stop buying and flipping!!🛑🛑🛑🙅🏼♂️🙅🙏🛑🙅🏼♂️🙅🙅🏽♀️🙅🏽♀️🙅🙅🏼♂️🛑🛑🛑💜Can someone creat a social media account and Alert buyers and renters !!. We should not allowed the investors especially # Turlia ,Zillow , invitation home opedoor, streetlane homes, First key home, & progress residential those are the few 🛑🛑🛑 stop renting or buying from those monster!! Spread the word we have the power if we home buyers or renters, unite and stand together!!!!!!
every year my home owners insurance sends me out how much they will cover, I recently found out my home worth more if it was blown up lol few extra dollars a month but at least I know if something happens I know I am covered. I think the only thing that I do that you mentioned is caring for a pet my one dog has seizures and his meds cost me as much as a used car payment but I do like my dog so oh well
Almost every video, is bad news and what’s not getting better. 😩😩
Foreclosure graph stops at 2020 Q1….
I’m told it’s cheaper to live in Moscow, but Facebook just banned me.
If the cost of living is too expensive and jobs pay too little in your area, move. I and millions upon millions have doen that. As a matter of fact, I have done so many times in my adult life.
The current administration’s doubling of tariffs on Canadian timber and housing materials, repressive legislative regulations / policies and an underwriting of the foolish, polluting and pie-in-the-sky “green revolution” that have tripled the cost of construction in the past 14 years.
Bought my home in 2020 for 200k selling it this month for 328k. Walking away with 97k. Will rent in mean time. Invest the 97K and then buy when housing goes backwards again. I don’t know why everyone assumes you have to buy a home after you sell yours. Yeah rent cost more but its temporary. Newer owners don’t understand that their home is one large repair away from wiping out most of their equity. AC/ROOF/etc…I feel like my only real risk is not holding out longer to try to reap more profit as housing imo will continue to rise for around 6+months, but my gut says that’s greed not wisdom. Any one out there see something I may be missing? Would you do the same in my position?
My kids a millennial and he bought a home .. Well, down payment. , because you never own any way. It was a side effect if him wanted a garage for cars.. With that said , home ownership is an illusion. When your home taxes go to 12,000 per year, by the time you reach retirement age,,, you won’t be able to live there. …. All you have is your soul… Remember that…
Factor in construction cost of homes today , bud ??
The problem with the housing market is greedy people buying way more homes than they need. They need to restrict the amount of single family homes an individual can own. Many families are priced out of the housing market because of the greedy people wanting to build housing empires. It’s the same moral dilemma as for profit healthcare. Profiting off of the pain of others
How ignorant can you be? You have socialist dreams but can’t see Obama screw up the healthcare industry by making it mandatory so prices went up like crazy.
Nice report Graham! I’m afraid that investment companies will come in and buy-up homes and prevent prices from dropping. I hope I’m wrong. I need to practice so I can speak as fast as Graham = very impressive.
What’s up graham it’s guy here
I did not see the promised confetti.
The moment millennials have been waiting for?
Hi Graham.
I’m sorry to say that I’m finding it hard to watch your videos nowadays. As a Youtuber, you’ve moved toward more sensational, click-baity thumbnails and titles. This is common due to Youtube’s creator environment. But every time I see your thumbnails, I find myself disgusted in a way that I never did before. It reminds me of these self-help gurus that peddle crap info to advertise their course. The truth is, your videos are extremely high-quality, informative content based on practical experience and exposure to the space. Your stuff is phenomenal, but I genuinely have no idea which videos contain the info relevant to my needs as a viewer because the titles/thumbnails make it a guessing game.
I’m not asking you to change. If this format is what works to pump money from the Youtube algorithm, so be it. What I’m saying is that I can’t watch your stuff anymore because it doesn’t serve me to grind through a guessing game of content.
The time has come. People are realizing that they deserve better than what we have. People are realizing how corrupt the government is and how screwed our economy is. Collapse is inevitable and it will only get worse and will end up being survival of the fittest. The poor will get poorer and the rich will get richer. Don’t be on the bottom of the K chart
Graham please help me so if the market is going up it is a buyers market correct?
I can’t believe you tricked me. >:E
Is it just me or are Graham’s videos starting to be too much ado about nothing? Too much padding information but never seem to get to the point in the title.
Inventory keeps shrinking, demand increasing, rents higher and less discretionary spending, so prices will increase although the growth rate will slow down. It’s not oversold Graham.
How much Chinese money is flowing into U.S. real estate since Evergrande collapsed? I’d say, a lot…
Millienals care about house plants more because that’s what we can afford lol
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Ahhhh another recycled graham Stephan video. Glad I unsubscribed a couple months tired of watching the same 🗑 won’t resubscribe until I see something new and exciting , which is probably never 👎🏽
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Gold has historically NEVER been a good plan
you got me with the like button… no confetti… 🙁
I can’t compete in DFW with an engineer’s salary….
I had to give you that thumbs up: even though you lied.👍😂🎉🎊
HEY, NO CONFETTI!
Not sure why they make it like millennial’s are all brain dead and don’t know how to control finances. I always been pretty smart about money and keep track of my money .
If you’re a prospective first-time homebuyer hoping (or praying) home prices will decline in 2022, don’t count on it. If people are waiting for a price to decline, well, it’s not going to happen. Heading into the spring of 2022, mortgage rates have increased over a full percentage point and while purchase demand has cooled, it remains firm. Supply remains near record lows, so home price growth is expected to remain high through the spring homebuying season before cooling off later this year as mortgage rates continue to rise.
Investing in REITs will be a right decision as it’s also included in a growing number of defined-benefit and defined-contribution investment plans
Greatly said! lnvesting in REITs can play an important part in an lnvestment portfolio because they can offer a strong, stable annual dividend and the potential for long-term capital appreciation. REIT total return performance for the last 20 years has outperformed the S&P 500 Index, other indices, and the rate of inflation
Depending on your risk tolerance, liquidity needs, and desired return, should you choose a debt or equity lnvestment?
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Lol weird. I see your same exact copy/paste comments on multiple youtube channels involving real estate
0:46 Graham says “one anal-ist” – he pronounced it like that. You got that right!
I’m only 19 and I’m still in college, if however the housing market gets worse I would say I guess I’ll just live in an apartment and pay rent forever but when I really think about it looking at the dating nowadays, my dating life isn’t going so well and I’m more likely to own a house in Toronto than getting into a relationship, there’s can always be something worse.
The answer is simple. Move overseas until the boomers die off, and Gen z learns what gender they are
Screwed? Moi? My house has more than doubled since 2014 when I bought it… Let it FALL! FALL! FALL! I never saw it increasing more than 20%. I’ve got my own ARK INVEST!!! LOL!!! Young? Just wait and stack your chips.. “You can’t sell Us BS.. We know the Prices” –JayZ
Does anyone see the correlation on why the housing market went into over drive post pandemic? Something happened during the pandemic that caused this im surprised no one is talking about. That is the pause on 1.4 trillion worth of student loans. When they where haulted it suddenly created a slew of potential buyers because debt to income ratios where excluding student loans since they where on pause when applying for mortgages freeing up money to spend on housing. Also the automobile industry benefits from this. The government knows this and is trying to figure out what to do about this student loan problem. It will not be rising interest rates that cause this 25% crash your talking about but if student loan payments resume and ole Joe Biden does nothing to cancel them as he promised then you will witness the hardest crash and deepest recession you have ever witnessed.
Student loan repayments were paused during the p-ndemic but their student loan debt & balance is still visible to the lender just by doing a simple credit score check. Even is they had to continue making payments, I’m glad the interest rates are rising bc low interest rates & easy lending (which we’ve seen for the last decade) only cause a flood of buyers with literally next to NO money down. And all of that demand caused home prices to increase as supply was just not keeping pace. No one should even have a chance to buy if the don’t have at least 20% down. The markets will correct themselves naturally if this were the case.
Robert T. Kiyosaki was right was he not? 🤣🤣🤣 Update your video on him.
Where’s me confetti’s
Cringe click bait. Marked this channel so I don’t see it again.
karen
@ladev91 Boomer learned a new word, congratz.
Success
Home supply was down before the pandemic. The pandemic just made the issue worse along with inflation in building supply costs.
Your info may be good, but your “in my face” presentation is worse that terrible…
All of these headlines that are negative towards millennials is all bullshit rather than actually assessing the issues. This economy has been geared toward the wealthy elites.
I agree with all the comments about your use of click bait titles. It’s a bit “the boy who cried wolf.” I’m now less inclined to click.
Confetti only works on the dislike button
Another good one. 👍
How about we get a recession, so I can buy my real estate and stock monopoly for cheap?
(I read that in my head with a villain voice)
So would it be better to rent now and buy after summer?
Literally, you just go into a big circle and don’t really address why the market is screwed… are we screwed because of low inventory? HI interest rates? WAR? etc…
Someone told me that it’s the best time to buy because there will be a huge pump
The cost of living is making people go into different businesses anyways, but my problem is that the rate at which money gets finished on little purchases is so surprising
I make good income too from bitcoin trading and its been my most reliable source of income at the moment. With profits I’ve made so far I don’t think i can get broke or lack anything.
whats up graham its guys here!
I’m convinced rates could be 10% before the market starts to shift downward. There are still so many cash buyers out there.
Lies, pun not intended.
I might consider donating a 3 figure sum to a charity for @Graham Stephan to do a video with his hands… secured… in some way.
I feel many people do not understand basic MATH and Graham is one of them. Housing prices are actually a bargain in todays market go back to 2008 and look how housing hadnt increased much over the last 12 years on an ANUAL basis , normally it is a 6 percent average so a house that was 200k should now be 450k , most of these homes are still way under the 450K so you are getting a deal
No confetti for me 🙁
Graham, need your expert opinion. My wife and I are looking into buying a home for the first time. Our lease ends in 2023, but we can break it at a super low cost. Do you think we should wait or get a home now? Thanks man!
***Graham Stephan, the king of Click bait video titles. I feel like doing to you what Will Smith did to that other clown Chris rock***
No mention of 3.5 million refugees from the Ukraine that will need a place to live even if only temporarily. With record low inventories it won’t take much to trigger the price increases that come with high demand and low supply. Good idea on insured values. Calling my agent now.
Confetti thing was cool
STOP CLICKBATE
I live in the Chicago suburbs and see housing developments building at full steam and know many people fleeing the state for greener pastures. Last I read 100k people are leaving a year. Yet, prices are still way too high for deteriorating homes. Can someone explain this?? Is it all due to monetary policy??
I love finance but I also got 80+ houseplants pls forgive me graham 🤣
I didn’t see confetti 🙁
On computer?
Scam Stephan!
Why
Came back after not watching graham in years. Now I know why I stopped watching, he is a clickbait merchant
18 years old just saved up enough to buy a home using an FHA loan! Thanks for all the advice along the way graham.
Graham you have been posting titles like this for over a year and a half
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Your openings are brutal….I hit the “like” button if I deem it worthy. Otherwise great content.
Thanks for the tip Graham.
Zillow shares are trash now. If you believe Zillow, ……
I don’t know why everyone hates the clickbait titles, everyone that’s followed Graham for any period of times knows the videos are worth the click, and if the clickbait gets someone new to find the channel I think that’s awesome!
DM for earnings👆❤