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THE 2022 HOUSING MARKET:
CNBC reports that “the number of new listings last week jumped 8%, right as the average borrower is paying 38% MORE than they would for the same home, a year ago.” In response to that, 12% of homes had a price drop…which is 9% HIGHER than a year ago, with these kinds of drops occurring faster each month.
In addition to that, The Federal Reserve is warning of a Housing Market Bubble - They show that - throughout 1999 through 2008 - the market experienced irrational exuberance, just like it’s showing NOW - from 2020 until…who knows how long. Housing is so popular, too, that 11 out of 25 countries are seeing the EXACT SAME EXCITEMENT for the real estate market - with CANADA leading them all, with the largest price gain, year over year.
https://www.dallasfed.org/research/ec...
Even though there is an imbalance between the “Price to rent ratio,” “price to income” IS HIGHER than normal…but, still not “exuberant.” They explain that recent patterns may prove to be a less-useful measure of home affordability, because low interest rates and stimulus allowed more money to be spent…so, this chart MIGHT be overly cautious when valuing something we haven’t quite seen before.
FIRST: They believe that MILLENNIALS AND GEN Z WILL KEEP THE MARKET STRONG.
They reported that most first-time buyers are younger than 40, which means the buyer pool is deep, and indicates that demand will likely remain elevated.
SECOND: SUPPLY CAN’T KEEP UP WITH DEMAND
They say that the “supply-demand imbalance is the primary reason home prices have escalated so rapidly”
THIRD: UNLIKE 2008, BUYERS ARE LESS LIKELY TO DEFAULT ON THEIR MORTGAGE.
Today, more than 76% of mortgages go to borrowers with a credit score EXCEEDING 760, lending standards have increased, and home equity is at a record high.
FOURTH: A DECLINING ECONOMY COULD IMACT HOUSING VALUES.
They mention that, rising interest rates could put a damper on consumer spending, which increases the likelihood of a recession.
AND FIFTH: MOST PREDICTIONS INDICATE THAT HOUSING PRICES WILL CONTINUE TO RISE - BUT SLOWER.
For instance, the Mortgage Bankers association predicts a 4.8% increase throughout 2022…CoreLogic expects a 6% increase…and Realtor.com predicts a 2.9% increase.
That’s why, I believe - the biggest deterrent for housing prices is going to be: “How quickly do interest rates go up, how much inventory is there on the market, and how many people want to buy a home?”
Emma and Ellie go swimming in the swimming pool and play with a giant inflatable slide.
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Jannie and Emma want to see who the better sister for Ellie is! They both try really hard, but realize that they are both really good sisters and should work together.
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Jannie and Ellie learning about jealousy and rules of good and bad behavior for kids. Ellie is a little kid and gets everything she wants whereas Jannie is a big kid and has to share everything with Ellie. They both learn how to behave and to treat each other kindly.
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Jannie and Emma throw a pizza surprise birthday party for Ellie! They learn how to bake pizzas and make their own. The kids decorate the family room with all of Ellies favorite things.
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Alex and Wendy pretend play learning about bugs and insects facts for kids! Alex is afraid of bugs, but Wendy helps him study about it so he likes them.
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Emma and Ellie pretend play looking for real dragons! Ellie really wanted some dragon toys, but the toy store ran out. Auntie Amy sent them on a quest to look for real dragons!
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Jannie and Charlotte learns about science and different kinds of renewable energy for kids! They learn about how solar energy and wind turbines work.
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Emma’s World a song for kids by Toys and Colors! Join Emma, Lyndon and Ellie as they go to Emma’s imagination world. They play with snow and have snow ball fights because it snows there all day. Emma snaps her fingers and they go to the cool pool and go swimming. Where does your imagination take you?
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Jannie and Maddie learn rules for kids! They learn rules that kids should follow such as sharing is caring, don’t open doors for strangers, and more.
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Eric and Ellie Pretend Play as USPS Mail Man Delivery Service | Kids Deliver Packages Jobs and Careers
Eric and Ellie pretend play as USPS mail delivery workers! Fun jobs and careers for children to learn about.
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Emma, Lyndon, and Maddie learn why it is important to go back to school and learn about responsibility for kids! They learn to focus in class, have fun with exercise, and more!
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Wendy and Ellie go shopping at the grocery store and by ingredients to make a tasty sandwich. They learn healthy food choices and to not get too much junk food.
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Jannie and Lyndon set up an ice cream store and sell ice cream! This funny pretend play funny story for kids will have them laughing.
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Wendy wants to be better and needs to learn how to be more responsible. She visits her grandpa an he teaches her responsibility and why it is important to be a good kid.
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Wendy and Eric love playing with their pop it toys, but don’t like to share. Auntie Amy has a Pop It vending machine store that makes a bunch of different kinds of pop its! They accidentally knock it over and now they have to find a way to lift it back up and learn to share with each other.
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Wendy and Maddie gets ready to go to a princess dance party! Maddie really wants to go, but she doesn’t have a princess dress. Wendy and her family helps her get ready and they all have fun dancing together!
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Wendy and Alex pretend play as mermaids and help Uncle Sam with his magic transformation into one. They have fun playing in the swimming pool and with all kinds of toys.
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Emma and Ellie start thinking about what they want to be when they grow up! Emma and Ellie explore all kinds of different careers and job opportunities. What do you wanna be when you grow up?
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