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Real Estate Information |
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Housing Bubbles and You
Are we in a housing bubble? To answer that question first we need to understand what a housing bubble actually is. A housing bubble is what happens when the there is a significant rise in the market that is mostly due to the expectation that the prices will continue to rise. The bubble will not burst until people start to doubt the reasoning behind the increase. Once the bubble is burst the market will take a sharp drop. You will find that financial markets are much more prone to market bubbles than the housing market. There is a good reason for this and that is the fact that housing markets have so many more costs involved. For example you have to deal with sales commissions and other carrying costs. But how do you really know if you are in a housing bubble? Is it possible to speculate on price increases when you are in the midst of new construction? Can you actually avoid transaction costs? Yes it is possible but there are a series of buys and sells and loans involved which is a lot of work for many people. It is far more risky for both the borrowers and the lenders when they are working in an area that is in a price bubble. Lenders need to be very careful because the market could collapse at any moment. The problem for the lenders is that by offering different loans to different areas that could be considered discrimination, what then? Isn't discrimination illegal? It could be in some places. Lenders have it tough because either way they stand to lose a lot and the competition is high everywhere. It can be difficult for mortgage brokers to get a fair shake when their rates are not competitive enough, but they can only do so much before they are taking to large of a risk. They need to find the right lenders to work with and that can be a challenge as well. AN investment loan is something that is getting more popular all of the time. Many people buy homes not to live in themselves but to rent out for profit. This type of investing can bring in a lot of money to the investor if they know what they are doing. This is an especially risky loan to give when in a housing bubble. That is why these mortgage brokers are so in need of good counterparts. Price appreciation is the key to all housing bubbles. If you want to make the most out of the money you have to spend on a house you will want to choose the option adjustable rate mortgage. This is a great choice for those who do not want to be paying too much in the beginning stages of their mortgage. As a housing bubble buyer you have the power to get much more house for your money. Since the prices are being driven up the more you spend the more it is going to be worth in a couple of years. This means that you stand to make much more money than if you bought smaller and an option ARM will only give you even more power to buy. Even though the balance on the loan may be getting larger at first this does not matter in the least when you are standing to make so much more money. The amount that you will make will more than make up for this factor. But remember as an investor that this might sound good, and it is god, but only as long as the housing bubble does not burst. Once it does you and the lender stand to lose a significant amount of money. Martin Lukac, California mortgage Lender (http://www.martinlukac.com), provides mortgage financing for purchase, refinance, bad credit, and more. Request a free quote or ask a question.
MORE RESOURCES: Americans believe real estate, gold are the best long-term investments. They're wrong, advisors say CNBC Rennie lays off 31 employees from real estate firm, cites ‘changing market’ Business in Vancouver For sale: Mid-century modern-inspired home that backs up to the Loch Raven Reservoir The Baltimore Banner Don’t Trust Your Landlord? Here’s How You Can Find More Information. The New York Times A 24-year-old learned about real estate investing on TikTok. Now he plans to convert a $2 million motel into apartments. Business Insider OT Real Estate Spotlight of the Week: 4295 Saddlebrooke Trail The Owensboro Times Senior Living More Tariff-Resistant Than Other Real Estate, Immigration Remains Big Issue Senior Housing News Brokerage Beat: News from eXp, Anywhere brands, KW, Corcoran, more Real Estate News by RealEstateNews.com Who's buying up Quincy real estate? What one buyer has spent $78 million in last 5 years The Patriot Ledger Montgomery County and MCB Real Estate Partner on First-Ever Tax Increment Funding to Support $2.8 Billion Investment in East County Montgomery County (.gov) Bray Real Estate releases its April 2025 numbers KKCO 11 News @properties lone star | Christie’s International Real Estate Just Listed One of Dallas’ Most Palatial Homes and We Have The Inside Peek CandysDirt.com European real estate somewhat shielded from tariff chaos Institutional Real Estate, Inc. Real estate sales in Peoria, Tazewell and Woodford counties for May 10, 2025 Peoria Journal Star Real estate’s winners and losers of the state budget The Real Deal Grant Cardone Shares The 4 Greatest Opportunities For Real Estate Investors: 'Lower Rates Coming' Yahoo Finance Real estate transfers recently processed in Dodge County Fremont Tribune Athens Riviera Set To Lead Europe’s Prime Real Estate Boom With Ultra-Luxury Demand In 2025 Travel And Tour World EG Real Estate: 7 New Listings & 5 Sold East Greenwich News Westmoreland County Real Estate Transfers The Latrobe Bulletin Sherley Real Estate, LLC - Ad from 2025-05-10 The Independent Record Homes.com aims to one-up Zillow with listings ‘boost’ Real Estate News by RealEstateNews.com Here are businesses on the move in Marin, Sonoma, Napa and Mendocino counties The North Bay Business Journal llinois bill looks to enshrine Clear Cooperation in state law housingwire.com ‘Wildly Inappropriate Behavior’: Real Estate Group Is Accused of Cover-ups The New York Times Property transfers: Marion County sales range from $4K to $595K The Marion Star Trump’s Migrant Crackdown Adds to Miami’s Real Estate Woes Insurance Journal Global Surge in Data Infrastructure Demand Reshapes Real Estate Landscape, Cushman & Wakefield Reports Boston Real Estate Times Tributes – part III: Giving credit where credit is due Institutional Real Estate, Inc. Turbulent times: A mixed picture in European real estate reveals signs of a changing market Institutional Real Estate, Inc. Alexander Brothers Face More Sex Crimes, Including Against Underage Girl The New York Times How’s the Market? AI and real estate The Ukiah Daily Journal Thriving in change: The value of a Realtor and top association Real Estate News by RealEstateNews.com What’s next for StepStone after its record real estate fundraise? Secondaries Investor Here’s a snapshot of the area commercial real estate market in April Baton Rouge Business Report TIM SCOTT REAL ESTATE - 82410 Caledonian Record JLL announces senior leadership appointments Boston Real Estate Times Israeli veteran's Cincinnati real estate empire collapses amid fraud allegations - WCPO 9 Cincinnati Number crunching: How have top-down and bottom-up allocation strategies influenced real estate investment and performance during the past 40-odd years? Institutional Real Estate, Inc. When markets speak louder than politics: Real estate in an uncertain economy Rochester Business Journal Real Estate Transactions: Friday, May 9, 2025 Boulder Daily Camera People: Mark Nowaczewski, Sakara Ferebee join Street Commercial Real Estate Northern Nevada Business Weekly NextGen Realty Opens Worcester Office to Meet Growing Demand for Central Massachusetts Housing Boston Real Estate Times 7 unconventional ways to source your next CRE deal Orange County Register Suspect in Houston-area real estate agent's Downtown Dallas killing denied bond reduction FOX 4 News Dallas-Fort Worth After Sierra Leone's President Took Office, His Wife and Her Family Went Real Estate Shopping Organized Crime and Corruption Reporting Project | OCCRP AIM Media Texas Plans to Sell Real Estate Property to UTRGV Texas Border Business Gold tops stocks as second-favorite long-term investment, real estate still no. 1 - Gallup poll Seeking Alpha Sprinkman Real Estate Announces Expansion to Meet Rising Demand in Madison Housing Market openPR.com Boston real estate firm expands into Worcester, opens Downtown office Worcester Business Journal Form 253G2 Roots Real Estate Invest StreetInsider Welcome to Real Estate Friday! The Berkshire Edge 2 Northwest Arkansas commercial real estate companies merge Talk Business & Politics Real estate transfers: 5/7 Toledo Blade Shelter Island Reporter Real Estate Transfers: May 9, 2025 Shelter Island Reporter A real-estate giant wants sellers to list their homes privately. Will homeowners benefit? MarketWatch Norway’s sovereign wealth fund appoints Knapp as global real estate head Private Equity Real Estate | PERE Pope Leo XIV’s boyhood home in Dolton was on the market until Thursday. What comes next for the house remains to be seen. Chicago Tribune |
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