PLEASE BUY BEFORE IT CRASHES!
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- เผยแพร่เมื่อ 6 ต.ค. 2024
- We have already seen Rocket Mortgage, United Wholesale Mortgage and Zillow Mortgage come out with 1% down mortgage products for "subprime" low income borrowers. Well now Chase bank is jumping on the free house bandwagon, trying to cash in before the housing market crash moves into full swing.
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The fact that there is already an excessive amount of demand awaiting its absorption, despite how everyone is frightened and calling the crash, is another reason why it is less likely to occur that way. 2008 saw no one, at least not the broad public, making this forecast, as I'll explain below. The ownership rate was noted to have peaked in 2004 in the other comment. Having previously peaked in the second quarter of 2020, we are currently at the median level. Between 2008 and 2012, it dropped by 3%, and by the second quarter of 2020, it had dropped from 68 to 65.
You're not doing anything wrong; the problem is that you don't have the knowledge needed to succeed in a challenging market. Only highly qualified professionals who had to experience the 2008 financial crisis could hope to earn a high salary in these challenging conditions.
Actually, I'm not sure if I'm allowed to mention this, but I'd recommend looking up " Margaret Johnson Arndt” because she was a big deal in 2020. She manages my portfolio and serves as both my coach and my manager.
Michael- Your “Walk-Arounds” across the country have been very interesting & informative!! Please keep doing them! Love your show!
Agree 100%
absolutely
Yes I love the walking ❤
Yes I love the walking ❤
I used a first time homebuyer loan before pandemic. I had great credit and made sure to get a home that was 3x my annual salary. I kept my savings for emergency house repairs (which fortunately I haven't had to touch). I honestly would not be able to do that with today's home prices and interest rates.
Totally agree! First time home buyer in fall of 2021 and locked in at 2.75%. My mortgage would be $800 more expensive monthly as rates have just gone above 8%.
Same!!! Except for a new AC system
Macon has a lot of grand old homes that are relatively affordable. Though it has high crime.
I bought my first home in 2012 at the height of the buyer’s market in a really great neighborhood, for $111,000. The first year I owned it I had to have Roto-Rooter out to
de-root my sewer line and then that spring my main waterline from my home to the city hook up burst and I had to pay $6,000 to have it fixed, it was a bummer, but I was lucky that I had bought low and had a large emergency fund, otherwise I would have been screwed!
For sure!🙏
I had to do a similar thing. It’s was $3600.00, but what if someone doesn’t have it? Are we just going to spend millions propping up people who can’t afford a house?
It burst? Sounds like someone was driving across the lawn
I would of dug it up myself with a shovel and paid a plumber $500 to fix it.
@@rustyscrapper $500 for a plumber? Good luck with that.
Of all the nightmares I’ve had in my life my scariest recurring one is when I have purchased a huge house that needs a ton of work. I actually start justifying the purchase in my dream and downplay the massive amount of work needed to be done. Waking up and realizing it was just a dream is such a relief.
Just watch the movie " money pit " 🤣
That’s a good movie! 😂@@johnpichla9557
Sounds like many houses ive looked at. premium price not work been done to them in 20-30 years. I dont know how anyone will be getting ahead with 20% down and rates the way they are. The math is just horendous.
I flipped an entire house once. After all of the material cost and the selling costs I only made 24k on the deal and it took me 10 years as I have a full time job. I would have been better off getting a part time job at McDonalds. I did live there so I guess I lived rent free which isn't calculated.
I lived this nightmare. Years ago I bought a 3000 sq ft house that needed some work. Five years later I had dumped over $50k into it with no end in sight. Stuff kept falling apart. Every other month it was something new. Had to sell and escape before I went broke. Never again. Lesson learned.
Macon is nice in some areas. If you’re not from there or have lived in Middle GA long enough to understand what’s happens in Macon - then you’ll never know why this home is still on the market after all this time.
Even in the listing it states: “REO Occupied - NO ACCESS OR VIEWINGS of this property. Please DO NOT DISTURB the occupant. "As is" cash only sale with no contingencies or inspections. Buyer will be responsible for obtaining possession of the property upon closing.”
Who wants to deal with removing occupied tenants from the home? Let alone not see the inside condition of the house with no prior inspections? That alone wards off a lot of first time home buyers and some investors.
I live in Birmingham. It's not affordable for the locals. The median wage here is $52k. The typical price for a modest house is $230k.
Assuming 5% down and a market standard mortgage rate, that monthly payment is $1650, which is _half_ of the average earner's take home income, and that's before any bills, payroll deducted health insurance, home insurance, maintenance, and taxes. It's not good here. Things are not good here at all.
Of course houses are affordable to locals. Otherwise they wouldn’t be selling at that particular price.
@@seanm3226 If you knew *anything* about the current real estate environment you'd know that's not true. Homes are not selling to people who live and work here. They're selling to investors who want to use them to generate income.
have you seen the florida housing market?@@seanm3226
@@seanm3226I think they selling to people from nearby states who been priced out, like Florida
Looked up your offer to provide 1 on 1 calls. $300 every 30 minutes to speak with you on the phone is a little steep! Love your videos, but can't figure out why you would charge that much to speak with you directly. Completely understand you should be compensated for your time...BUT AT $600 AN HOUR!! Come on, Michael! Of all people, I expected more from you.
I'm thinking the dude offers you a lifetime of knowledge focused around your situation in 30 min. Probably no need for more then that really
There's a bunch of real-estate talk channels on YT; but since you are so attentive to data and facts Michael, I watch your channel. Plus I enjoy the walkie-talkie style you use. It's therapeutic.
Always be careful about buying a house, especially foreclosures. You might think you got a cheap house, and then you realize it needs thousands of dollars in repairs, renovations etc. It isn't up to code and all that pressure is on you to fix it. I would say one of the biggest problem is old wiring or plumbing. You really tear down your house trying to fix up a house that has the utilities of a house built in the 50's.
That house is cheap for a reason.
Yes, if the professional flippers are passing on it..run away. 😂
Just renewed my "mobile" home insurance, $350 year, basically covers fire and non hurricane water damage...
You are proving, what most do not understand…..Location Location Location drives the price. Folks on the coasts all assume home and apartment rental prices are sky-high everywhere and that’s not fact.
The Allman Brothers and Otis Redding were from Macon. Not sure about Metallica.😂
Glad you survived Macon!!! 🤣🤣🤣 It's ROUGH LOL. I live south of the airport and wouldn't dare go to Macon. That house isn't going to sell cuz the area is dangerous, on TOP of it needing so much work.
I’m so tired of all the taxes here in California but I’m set up pretty good with a great rate on the house I own on an acre of land. I’m retired now and my Wife will retire this year and we would love to move out of here but we just can’t find a place that would benefit us.
This is a huge Country and we’ll be searching for another place to live. So Thank you for sharing all these different neighborhoods on your trip back home. Blessings and keep safe my friends. , Carlos ✝️🙏❤️😊🇺🇸
The suburbs north of Atlanta are low crime, very affordable, accessible to upscale venues, awesome weather and close to the north Georgia mountains. I recommend Cherokee County and Forsyth County. Gwinnett County is getting too congested and closer into Atlanta has a high crime rate. Best of success to you!👍
@@njerseydavidi saw this video the other day that showed that most of the people leaving California either came from other states themselves or has parents that came from other states. Seems like outsiders ruined California and are going to back to ruin other states
Carlos, Florida- no state tax, better beaches, and fast growing. We still have small ones (I live in one north of Tampa), or bigger ones if you like. Crime is like anywhere else, but very low in small towns. Mush cheaper than California. Free college for kids if they do well in school and lots of opportunities (work, business) if you get bored in retirement.
@@johncpa9196I rent 1mile from Citrus Park Tampa and currently looking to move... can you please 🙏 share what location you recommend in Tampa
I acre of land is not that much. I just purchased 10 acres in Texas, wildlife land. Surrounded by no one. If you stay in California, you will die poor. Get out while you can, Carlos. Califas is a fool's dream.
The property taxes in Macon, Ga have just been lowered as the sales tax went up to 8 percent. Have a safe trip.
Now I see the issue after reading the comments. Nobody wants to take the risk or do the work on a forclosure. In 2012 I bought a run down house for 49k from a bank. Yes, it needed total renovation, which I did myself, maybe 5k in materials. Today I rent the house for $1,600. monthly. Opportunity is out there, you just have to not be lazy, and take risks.
We have to remember that the younger generation was told to go to college and not pursue the trades. I think the problem is also that people don’t have the skill set.
Oh you are so correct about home maintenance costs on older homes. People have no idea.
That's where Little Richard was from. Good Golly, Miss Molly.
You're always welcomed in Georgia Mr. Michael. Thank you for your work.
🙏☺️🤍
I would give the first house only the land value minus the cost for tearing town the old house.
Love the channel, I work for one of the “Big 3” Banks and the reason why we’re offering these type of loans is due to both CRA & Fair Lending Regulation. We are being pressured heavily to meet LMI and MCCT thresholds by the current administration and are threatened with fines if we do not meet those benchmarks. Blame the US government for these programs not the Banks.
He definitely knows that.🙏Totally the government’s fault, he even mentioned that in the video.😉
Thank you for watching.☺️🤍
The stupid diversity equity inclusion programs
The War against redlining
“Reverse redlining” is what I call it
@@Lisithedogwalker Oh hey its Lisi! You & your hubs are truly the dream team!
Since I never take a vacation, it’s like we have lived vicariously through your wonderful journey.
Thank you for supporting his channel Jamie!🤍
Hopefully you will be able to have a vacation soon🙏
My man is in Macon, gang capital of Georgia……but if you wanna go there just to make a point be my guest lol
That's a nice looking neighborhood. Median home price of $171,000 ....
The loan program you described from Chase seems like they are trying to comply with the Community Reinvestment Act mandated by the federal government. It’s been around since the 1980’s. Most folks purchase, have no clue how to manage their home; repairs, grass cutting etc… and end up in foreclosure.
I would love to move to Saint Augustine. Its my favorite city in Florida. I just cannot imagine being able to afford that area...
Totally dig the tours of all the locations you have covered. Up here in $eattle lots that size would be bought up, the home scraped, and entire complexes of "file cabinets with windows" and no off street parking. Listings up here are NOT moving. Advice for multifamily mom and pop: get fully educated on local regulatory matters BEFORE you buy. $eattle is a place I ahve advised clients to avoid like the plague for over a decade. Bad juju. As for the govt, all they want to do is stretch plausible deniability until after the 2024 elections. Nobody should buy into this scam.
Years and years of people always thinking real estate value can only go up. That a house you buy for 100k is some how worth 150 or even 200k just a few years later with no real changes done to the home. We had a solid decade or two of house flippers ruin the market for every one and now people are left holding the bag.
If you earn 80% or less of AMI, you likely can’t afford the payments and your focus should be on growing your income and savings first, before any consideration of buying. Thanks for the great video as always!
I just did a loan closing for a lady buying a short term rental at an 11.5% interest rate. The note also had a clause that said that if she was ever more then 30 days late on a single payment the interest rate would move up to 18%. The loan was for $210k
Wtffff
I'll take that loan. I need $40k
Oh Michael! You are so close to where I live just south of Macon. Lots of people in Macon are moving to Houston County, just south of Bibb County in Macon. High crime there. We are getting crowded here in Houston County…it is growing like crazy. Wish you had stopped by here instead of Macon. Much nicer in Warner Robins, Kathleen, Bonaire & Perry.
That's a relaxing looking neighborhood, this is when they built homes in the suburbs that you could actually walk down the side of your home and not touch the house next door, or see in all your neighbors windows. Looks piecful I'd rather live there then some millionaire neighborhood
I've looked at new homes in Vegas where you could barely walk between houses. If your neighbors are fighting, your sure to know it. Plus Vegas is very expensive now.
You do a very good job educating your viewers. Have a nice drive home. THX
🙏🤍🙏
Love that you showed us Macon!
Looking forward to the St Augustine and Palm Coast Video, my hometown
I agree. Low down payments on multi family units that cash flow is not really common. I help manage a HOA and man the units that have renters are a nightmare. Plumbing issues, smoking residents, lots and lots of cars and massive damage. I can’t imagine the landlords are making good money. One rental unit had a broken toilet and ice maker line that leaked for 6 months. They tried to ask for a claim and we are like no that is what homeowners insurance is for.
Actually that is what insurance is for. Insurers are a scam. They love your money but will deny any claim.
@@md37567 Not true. I've had 2 had roofs replaced just this year, 100% covered by insurance, one that really needed to be replaced 10 years ago. Also 1 of the properties got all new siding and gutters from insurance.
These companies only make money off of loan origination; the mortgages themselves get bundled and sold off almost immediately.
They aren't giving you free money, they are just lowering their fees and putting it toward the other expenses because they would rather have lower origination fees than no fees at all...
Some of us have lots of cash but the prices and interest rates are way too high even after paying a 50% down payment.
I live in Macon Ga and I am the one who told you our property taxes were cut in half mainly due to our governor. You just tend to paint with a broad brush and say taxes and insurance ALWAYS go up. You can mock me all you want. But I will still continue watching your channel.
The renovations are very expensive,lot of work to break even on resale
imagine being the owner of a house Michael roasts on the walk around videos lol
Imagine waking up in drinking your coffee in the morning. And then you hear "and then look at this house here. As you see, they bought this for a measly 200,000 and than barely fixed it up."
@@TheSlashSlingingSlasher lmao
"Nightmare starter" part was funny 😄. It's interesting how they present chicken sh...t as if it's chicken salad right before real estate crash.
I watch your show all the time. I liked and subscribed today when I saw you in a Metallica shirt and visiting GA - my home state. Thank you for your research.
He is happy to hear you are also a Metallica fan!🤘☺️
He is driving right now and I am reading a few comments here and there to him.😉
Thanks for supporting his channel and your comment was great!🙏🤍
Those are beautiful large properties. Tons of maintenance and work!
Ready to buy? Don't JUMP yet. We are just on the doorstep. By late 2024, its going to be a buyers paradise. Of course we are going to be in a light DEPRESSION, so you had better be ready for that first. Get a rental if you can, live on the cheap and when that times comes, you will be king.
Gawd, I hope so.
I hope so 😭🙏🏽🙏🏽🙏🏽
Hope so too, but if not then we doom forever rent.
It only works if the buyers don’t lose their job, the whole cycle of hoping for recessions just to buy homes shows how broken the system is.
People predict recession/depression every time a dem in office. Then it happens when they are out of office due to trick!e down bullcrap.
Property rarely changes hands along the river where I live. There were 2 sale’s between family members under market. It caused my taxes to go down. One of the sales the person was offered 3x what he paid for it.
I wondered if you were in GA. There are some good buys and wonderful neighborhoods, property and it doesn't have to be at fixer. :)
GA is a rural state assuming you don't want to live near or in Atlanta, etc. We all have different tastes, and I just like the rural life near a small town or small city, where property is far more affordable.
Please come to Clearwater-Tampa-Riverview area!
Just changed my policy to Citizens in Florida and saved $676. Policy is now $1050. It’s a rental so dp3. I was with security first. House is 640sq feet. Need to get a 4 point inspection $200… but that will last for many years.
1995 was the worst year for my family. They still talk about it 28 years later. I was in my late teens, and I remember how bad it was.
It made me really think about adulthood. What is needed to avoid the mess when the economy pops.
We made it through, but just barely. We ended up 6 of us in 500sf cabin. We never lived above our means, but you didnt have to back then to striggle bus it.
Amazing that affordable places like Georgia are seeing housing prices crash. Rather than location, location, location, it should be monetary policy, monetary policy, monetary policy. I don’t think the masses realized how powerful the Fed was when it came to housing prices. They know now. Or they will know when the housing reset is complete.
Those trees are a HAZARD, $1500, per tree to cut.
More of a hazard when I try to cut them down myself.
Do you live in the desert?
Trees are beautiful. Just keep them at a distance from the house. Yes I have spent quite a bit of money 💰 on having Trees taken down.
you would be surprised how flexible and sturdy they are. they sway in wind, and hardly ever snap.
Another helpful excellent video @MichaelBordenaro … keep up the great job 👏 you’ve seemed to have really found your niche & expertise! // By the way- what’s up with the random toilet 🚽 at 19:17 😂 .. so funny to see toilets on the side of the road randomly in the south.. sometimes they put flowers in there too.. Lol .. Hi to your dear wife Lisi 👋
People aren't selling unless necessary. Why go to higher interest
I agree with you michael, its getting closer to being a real crash and inventory will go up . Here in Missouri im seeing more foreclosures now than i seen in the last 3 years its obvious days on market are increasing and price reductions are taking place . Some areas they are still bidding over list price, dont make any sense .
When you come back to Florida, can you please go to Okaloosa County in North West FL? Particularly spots like Fort Walton Beach, Destin, Shalimar, etc?
Hopefully he'll stop in that area
Very nice...and we've only just begun....pass more popcorn, please.
You mean loan originators are making sub prime ARM mortgages, bundling them and selling them on the secondary and tertiary markets? What could possibly go wrong?
These programs are just setting things up for another housing crash like we had in 2008. You can either afford to buy a house (and the required maintenance and taxes), or you can’t. Until you can, don’t.
Foreclosure means bad title that is polished turd. Attorneys for plaintiff are pure scum. Always.
Zero warranty with foreclosures.
Interesting walk.. seems like a nice neighborhood. The homes seem to have a lot of property, no sidewalks, no lamp post and lots of cars... even if insurance is low on the home the cost for all the cars.. The key to Chase's give away is that they are applying the funds towards points to keep the rate low so people need to keep that in mind. The issue that I have with the 5% down for multi family homes is that the purchaser must reside in the home. It's hard to live in a rental home with the tenants.
the state of hawaii has had so many people buying rentals with fha loans and lying to the govt that it was their primary residence that it's become a joke. the govt doesn't check either. probably the same with chase too
@@gregh7457 Because the money that chase provides its at closing, it's easy to check. The government not checking anything I can see..
5% down for a duplex sounds amazing except it doesn't pencil in most cases. I've been considering FHA to purchase a triplex and the numbers are not penciling. Sellers are pricing each unit at almost the cost of a single family home. The mortgage is way too high to hit 75% or you have to get the seller down on price.
Lower down payments are interesting to me because it creates opportunities for less well off home owners but at the same time means the houses they can afford would be even less than if they put 20% or more down. I wonder which way that actually pushes the market
Creating loans with lower down payments is more likely to maintain a rising market. The lower down payment borrower though can easily be under water on their property because they only have 3% equity. Its not advisable...even 5 % is not advisable....20% downpayment is where you want to be.
Hi Michael- It's Terri from Hesperia Ca. (with the mobile home on land). Have you heard that now in California, you can build and rent out and ADU on you property now in Ca. You have to make a HOA with your property. You can sale the ADU. It's some new. I thought you might be interested. I think they are just trying to keep these ridiculously high prices up.
Check out the crime rate in that area first.
Come evaluate Jacksonville also. 🎉
I can’t believe the size of those lots. WTH!
older homes not anymore lol
I was also informed that Progressive Home Insurance won't be renewing about 100,000 policies in some Florida areas, mine being one of them. A company I've never heard of --- Loggerhead Insurance --- will be offered to homeowners instead.
Yeap at triple your current rate.
@@tbugher62 Yes, I've been informed by my insurance agent that it would cost me more. He said hopefully he can find something cheaper.
@MelodyHopkins - So one insurance company has a gecko for a mascot, another has a turtle . . . hmmm.
It seems like the houses in Peoria AZ are more expensive than from what I remember last year 😔
Can you talk about Detroit? What's your thoughts on Michigan
As a veteran i haved uaed USAA for the last 7 or 8 years for various insurances
But i cancelled my USAA policies because their rates our out od controls
They charge way more than everyone else ajd i dont even live in states like Florida or California
Same canceled them after 10 years
@AshleyCherv. Glad it wasn't just me. It is insane
I fired them from a number of pieces of business years ago.
Expensive and poor service.
This does not seem real…5% down on a multi family. In 2017 we bought a four plex, with over 800 credit score and had to put 50% down in Nevada. But Nevada was crushed in 2008 so we understood the concern.
hot dam... wish banks here would drop that low on foreclosures in my area. maybe in the coming year.
@@yl6128Not all of Macon, you just have to do your research. I live 30 miles south of Macon. These are nice older neighborhoods.
They drop like that when nobody even asks about the house
Hey! Welcome to GA!! Nice to see it represented. Although Macon can have some nice areas, there is a reason its still on the lower scale right now.... Imma just leave that comment right there lol. Come about the same distance North of ATL though and whew - people are listing houses for $500k that sold for $250-$300 just last year. 30-50 miles around Atl in any direction can be worlds apart.
Yes, my family used to live in kennesaw north of Atl a few years ago. I can not believe how much prices have risen there. Still, I would consider moving back, maybe a little more north, closer to the mountains, like cartersville or blue ridge or ellijay area, there is still lots of small towns in georgia that are affordable and have a lot to offer.
Part of the problem of inheriting a house is that you’re on the hook to pay the taxes if the house is paid off. Most of the time people do not have enough to pay a year worth of taxes if the house is paid off but if they all also have a mortgage to cover on top of the other fees after a house is inherited people can’t cover that either on average so most people I would imagine would have to sell.
hey Michael,,when you pass mm14 on I95 honk,,,I will be listening.....
Very nice place over there in Georgia!! 😊Nice walk!!
8:32 you crossed the black cat’s path.
Michael, you never talk about OWNER FINANCING, CARRYBACKS, they work and the terms are endless in there flexibility and effective ways of buying and selling real estate. All my homes were bought this way, no agents, appraisals, inspections, escrow fees or commissions. I write the contracts and record all the documents myself. It can be done and is done everyday.
Great video. Can you make a 1st time buyer video please? Explaining how everything works, closing costs, all fees etc?
@MoparguyRoger what was your credit for qualifying?
Those trees in Georgia are gorgeous! ... now when is the hammer going to come down on the Brooklyn housing market? It just won't budge! Ugh!
No wonder this man got a full head of grey hair at 36. He was a real estate agent in this housing market for a decade. That shit will stress you out. It all makes sense now.
We just signed a new build 3br 2b. Builder covered the closing cost and we took advantage of the 2-1 buydown! Hopefully a good decision.
You are screwed up because the price you pay for this overpriced pile of cheap wood less than 2000 sqf. You will regret very soon when you see the new construction price drops. 😂
Forgive my ignorance but , what is a 2-1 buydown ?
@@wxxw-pc7qq a lower interest rate most likely.
@@wxxw-pc7qq A 2-1 buydown is a type of financing that lowers the interest rate on a mortgage for the first two years before it rises to the regular, permanent rate. The rate is typically two percentage points lower during the first year and one percentage point lower in the second year.
@@gojiberry5619 you mean interest rates drops? We have the option to refi then 😂
yup, ALL kinds of incentives, as long as it doesn't involve lowering the mf price
People don't belive it until they feel it
Huge mistake if you guys don’t buy a house right now.
House prices are very low and the interest rates are great. If you don’t buy ASAP, by July of 2025 you will be living in tents under a bridge.
Sincerely yours;
Banks Looking For Suckers
You’re facts and data and how you describe things makes a lot sense to me Micheal 👍🏻
TREE'S = TROUBLE !!!
And I bet you’re one of those screaming eco-fascists that yell about air quality and then want to eliminate trees
@@pmscalisi gas diesel and cut em all down. ha ha ha.
HI MICHAEL, REALLY ENJOY YOUR CHANNEL BROTHER ❤
🤍🙏☺️
@@Lisithedogwalker THANKS LISI 😃👍
@@johnnymidas5879❤🥰❤
lighter side, FACT: Metallica, particularly drummer Lars Ulrich, has expressed admiration for Babymetal. Lars Ulrich shared his thoughts on Babymetal, saying ahead of the band’s performance as an opening act for Metallica in Seoul, South Korea: "We saw them in 2013 at a festival, and we were astounded by their awesomeness". He also mentioned that it was a privilege for Metallica to play together with Babymetal.
Been with USAA Insurance company for 43 years - great insurance company but they are selective on who they insure.
Mike, u are right we need a person like you. Who is telling the truth thank you!
Would have to see what exactly is wrong with that house to take that project on. Two myself so far. Figure out how much is DIY to see if worth it. Some are basically cosmetic work which is the easiest.
Wonder if a duplex can be made into a single if both are small. No insurance, cut down any risky trees too. I have it but broke down and had to use equity on a couple. Rather that than take a chance waiting on insurance company. Now those trees are out of the way.
😅 lol nightmare starter had me laughing pretty hard. That was a good one!
Rents have risen higher and faster than in history. The average apt is now equal or higher than a payment pr bed/bath on a 300k house. Housing inventory is at an all time low. House prices at an all time high due to high demand and low inventory. So how does those three factors equal a coming “ crash”? It doesn’t. In fact it’s the opposite.
We were just in Melbourne for vacation. Love the area. We are watching prices in Palm Bay because its close by and cheaper than Melbourne. In 2019 all those beach areas were so affordable. Sucks we missed out.
I have a friend who was looking there. Ended up in Port Orange due to affordability
Interest rates hit 8% yesterday.
To have these loan products aimed at lower income people is criminal.