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Why are houses are least affordable in US during the past seven years?

  1. Arvind Babajee profile image60
    Arvind Babajeeposted 16 months ago

    Why are houses are least affordable in US during the past seven years?

  2. dashingscorpio profile image87
    dashingscorpioposted 16 months ago

    https://usercontent2.hubstatic.com/13399227_f260.jpg

    I'm not sure if that's true.
    Interest rates are down and employment has been improving.
    We recently sold two homes and I know others who flipped homes as well during the past couple of years.
    Another factor depends on where you live or want to live. Housing in California is always going to be more than Kentucky.
    The biggest challenge for many "would-be" home buyers has been the {stricter requirements to get home loans} after the government put in place in 2009. (A little over seven years ago.)
    There are more hoops to jump through in order to qualify.
    The government may have "overcorrected" the lending policies after the economic melt down caused by companies issuing too many subprime loans. I knew someone who had gotten a loan for the down payment and another loan for the house. After the crash they did a short sale. I know others who just walked away.
    Clearly if someone has to (borrow the down payment) they shouldn't be trying to buy a home in most instances.
    Their belief at the time was housing prices were going to (continue to go up) and at some point they could sell and walk away with a profit. A lot of homes on sale are several thousands of dollars less now than they were valued in 2007/2008!
    People lost equity and many homeowners remain under water.

    1. bradmasterOCcal profile image33
      bradmasterOCcalposted 16 months agoin reply to this

      Yes, but not in CA the prices are soaring past the bubble prices.
      --- Their belief at the time was housing prices were going to (continue to go up) and at some point they could sell and walk away with a profit. A lot of homes on sale are several thou

 
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