In this week’s podcast John and Bryan answer looming the question, ‘Should we expect another Housing Bubble in our future?’

By comparing the difference between lending pre-2008 vs. lending now, the gentlemen determine that we are not entering a housing bubble.

Today, we are verifying the ability to repay when lending, homes have equity and there is lesser builder speculation. In the current market, housing is like toilet paper was a year ago – most builders aren’t building enough homes.

The men go on to discuss that that home affordability is at all-time lows, even with increasing home prices.

They ask the question, “What would home appreciation look like if we didn’t have appraiser independence?” And discuss why home appreciation is decreasing the amount of FHA buyers in the market.

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