The Expert Podcast

• Many buyers are asking: Will home values drop? Is a housing crash coming?
• Fears are driven by rising mortgage rates, inflation, and global uncertainty.
• But the biggest factor in real estate is supply and demand — and the U.S. is still short by 5 million homes.
• Despite rising rates in the past two years, home values in some areas have gone up 30–35%.
• A 1% interest rate increase may only raise a mortgage payment by a few hundred dollars — which could be less than your annual rent hike.
• Locking in a mortgage at 4%–6% now may still put you ahead financially.
• Experts predict prices will continue rising due to strong demand from new buyers (especially millennials).
• Even if builders rush to construct new homes, it takes years to develop and sell housing projects.
• Existing housing stock is aging — many homes were built in the 70s, 80s, and 90s — and may no longer match buyer preferences.
• A 5% annual price increase can double your home’s value in 7–8 years.
• Equity builds over time — for example, a $200K home could grow to $450K while your mortgage drops to $150K, giving you $300K in equity.
• Renting may cost more over time without offering ownership or long-term value.
• Yes, homeownership comes with maintenance, but it often pays off — think of it as a trade-off for long-term financial growth.
• Owning also gives you more space: for storage, tools, a garage, or a pantry — helping you save money and build value.
• Residential expenses are unavoidable — the key question is: Would you rather pay rent or build equity?
• Even with higher interest rates, you're still reducing your mortgage over time and can refinance later.
• If you're hesitating, ask yourself:
  • Are you afraid of foreclosure?
  • Are you unsure about committing to a mortgage?
  • Are you waiting for a dream home that might not exist yet?
• Overcoming these fears could mean gaining hundreds of thousands in net worth over the next 7–10 years.