Housing Bubble 2.0 - 2022 Housing Predictions: Massive Home Equity Withdrawal & Credit Easing Cycles

Housing Bubble 2.0 - 2022 Housing Predictions: Massive Home Equity Withdrawal & Credit Easing Cycles. With the amount of \"tappable\" Home Equity more than doubling since the previous Housing Market Peak back in 2006, Homeowners now have around $23 Trillion in \"play money\". Will all this new found Equity become a little too tempting for the average homeowner ? Expectations are that the current tightened Credit Standards will be eased enough to allow a far greater number of people the ability to tap into the Home Equity. How will this play out ? Just as it did back in the previous Housing Crisis ......... Equity Stripping puts the property and Homeowner at risk even if there is a slight drop in home values.

This channel discusses recent articles, data and information about the Housing Bubble, Housing Crash, Home Prices, Forbearance, Foreclosures and Short Sales.

Additionally there is a focus on Mortgage Delinquencies, Mortgage Rates, FHA Loans, Real Estate Investing, and Housing Market Predictions for 2022 and Beyond.

Today is January 7th 2022 and Randy will discuss the following topics:

2022 Housing Market Predictions
Massive Equity Drawdown
Easing & Equitable Credit

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Randy Patrick
Licensed Real Estate Broker
WestBay Real Estate, Inc.
813-833-2045

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I am not an attorney, financial planner, CPA or tax advisor. This channel merely provides opinion, commentary and summarizes data and information that is readily available to the general public regarding the Housing Market. I advise you to seek tax / legal / professional counsel and for everyone to do their own due diligence prior to making any significant decisions or purchases regarding real estate or other investment matters.

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[HousingBubble.]

2022 Housing Predictions:Massive Home Equity Withdrawal & Credit Easing Cycles. With the amount of "tappable" Home Equity more than doubling since the previous Housing Market Peak back in 2006, Homeowners now have around $23 Trillion in "play money". Will all this new found Equity become a little too tempting for the average homeowner ? Expectations are that the current tightened Credit Standards will be eased enough to allow a far greater number of people the ability to tap into the Home Equity. How will this play out ? Just as it did back in the previous Housing Crisis Equity Stripping puts the property and Homeowner at risk even if there is a slight drop in home values.

[williamjohn]

The wisest thing that should be on every wise individual's list is to invest in different stream of income and don't depend on the government to bring in money especially now the pandemic is hitting the economy

[ernestradner]

📌🌟Thank you for this informative video. We are currently experiencing the greatest transfer of wealth ever recorded in world history . People who invest now have probably made the best decision in life. Investment is the future!!

[vencounter]

Having worked in Collections during “08” collapse. This is a HUGE reason why the housing market collapsed. They took out all the equity in “05”-“06” before the crash. Ended up with massive negative equity and voluntarily gave the house back to the bank! I saw this day in day out!

[esskay]

If you're house poor, it's tempting to take out equity. Seen that happen before with the 2008 crisis

[videogarage]

Thank you. Keep the advice coming sir. What is your take on the ever present "it's about low inventory" narrative that is the mainstream explanation for the current real estate market ??

[vitalsigns]

In addition to the return of home equity ATMs, Get ready for the 40-year government backed mortgage to keep home prices propped up. 👌🏻

[BatmanBoss]

Thanks Randy love your videos! Happy 22!

[cherylcampbell]

Happy New Year Randy. Always look forward to your informative videos.🇺🇸👍🙏

[pratwurschtgulasch]

another great video and very informative. i like it when you don't spend too much time reading off numbers but more time on "real talk".

[donaldalfredo]

Great info and perspective, thanks for sharing.

[ryanwalthuis]

when do you think we will start seeing foreclosures come on line?

[opoof]

Randy you should reach out to George Gammon! I think he'd love to interview you and get your channel out to his audience.

[trdiopn]

Randy explained how someone unemployed would have the income to qualify for a HELOC.

[polylight]

Love your videos, but oddly my comments (which are always positive and mention your partner site) keep getting deleted.

[cgrilley]

Question: If people aren't working, how can they tap their home's equity? Wouldn't the underwriting requirements for a new HELOC prevent that? I can see people who had such loans before they quit getting into trouble...but new HELOCs should be limited to those with a reliable incomes?

[AB-fqmr]

Lol, it's still a loan. Getting a $100, 000 HELOC isn't the same as earning and saving an extra $100, 000 and staying in the home you want. I hope people aren't that delusional.

[shanehane]

Should I take all the equity out and cash and remove that cash from the bank

[dimitaryordanov]

American households have record amount of debt. Rising Inflation and interest rates will make the situation worse.

[funkthat]

And what are people gonna do with that massive equity? Swipe up 2nd or 3rd homes to rent back to their neighbors, so housing market and rental market going up in bay area, people who dont have assets will not be able to compete with that massive equity with the supply shortage