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Will The Housing Market Crash?

RL092 – Will The Housing Market Crash?

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about the current housing environment and whether we're in a housing bubble ready to burst. They explain how mortgage interest rates affect market prices, the Ninja Loan, and the regulatory constraints affecting the housing market.

[04:40] Buying Conditions in the Housing Markets

[11:29] How Mortgage Interest Rates Affect Market Prices

[14:30] Are We in a Housing Bubble?

[19:09] What is the Ninja Loan?

[20:57] Understanding the Reverse Mortgage Amortization Loan

[27:55] Housing Market Statistics 2021

[31:00] Regulatory Constraints Affecting the Housing Market

[38:25] What to do if We're in a Housing Bubble

[40:46] Why Time frames are so Important in the Housing Markets

For more links and the full show notes keep scrolling down!

Roshan Loungani can be reached at or at 202-536-4468.

Erik Olson can be reached at or 815-940-4652.

Adrian Nicholson can be reached at or at 703-915-8905.

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Full Show Notes:

Buying Conditions in the Housing Markets

As we come out of the pandemic and near the close of the year, the housing market is red hot. Demand for houses is robust, with first-time home buyers, trade-up buyers, and institutional investors engaging in a bidding war never seen before. Experts agree that this period presents one of the worst buying conditions experienced in a long time. Home prices are going up, the supply is low, the demand is up, and interestingly interest rates are low as well. So the question is, is now a good time to be in the housing market?

First, there's a good chance homes prices and bidding wars will continue into 2022. In September 2020, for example, homes typically stayed on the market for 21 days. We're now seeing homes go even faster, typically selling within 17 days. This is undoubtedly good news for sellers but bad news for buyers. If you're a buyer, you don't want to wait too long once you find your dream home because it'll likely be gone if you wait too long to commit.

Are We in a Housing Bubble?

If you're looking to buy a house in 2021/2022, it's hard to ignore the wild growth the housing market has seen over the last two years. It turns out that the pandemic was great for the housing market because lockdowns forced many people to reconsider their living arrangements. Almost everyone was working from home, learning from home, so most people got an excuse to finally upgrade to a larger space, relocate to a new city, or just buy their first house. That said, is there a chance that the housing market is too hot? Is it time to start worrying about a potential market crash?

If you're planning on buying a house, it would be best if you thought about what could go wrong. Think about what happened in 2007 and early 2008; things were wonderful, then the markets crashed. Interestingly, the same conditions, frenzy buying and inflated prices, are present in the current market. But are we in a housing bubble? The simple answer is no. But it would help if you were careful about approaching this because you never know; things could go from bad to worse very fast.

All opinions expressed by podcast hosts and guests are solely their own. While based on information that they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only, and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

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