Mor
Mortgage Market Trend
Topic
N/A
Accuracy
Recent Predictions
Incorrect: 1
Pending: 3
Unrated: 0
Prediction
Author
Predicted at
Status
Video
Argues that extending mortgage terms only temporarily addresses housing affordability issues and that fundamental solutions lie in increasing housing supply through easier construction and revised zoning laws.
"The length of the loan cures the symptom temporarily. The problem is not how long the loan is. If we..."
Nov 13, 2025
Correct
Predicts that the introduction of 50-year mortgages will lead to an increase in home prices.
"Prices would adjust upward."
Nov 13, 2025
Correct
Argues that the 30-year mortgage is a safer choice for most people due to the predictability of human error and the clear end date of the loan.
"When accounting for human error, the 30-year mortgage seems like it's the safer bet because there's ..."
Nov 13, 2025
Pending
Concludes that market forces will negate any perceived financial advantage of longer mortgages by adjusting prices accordingly.
"So, ironically, none of this actually matters because the market prices it all away eventually anywa..."
Nov 13, 2025
Correct
Contends that extending mortgage terms will not improve housing affordability because home prices will rise commensurately, leading only to price inflation.
"home prices would just go up by about the same amount, which means that longer mortgages don't solve..."
Nov 13, 2025
Incorrect
Explains that reducing monthly mortgage payments through longer loan terms will lead to increased house prices until the monthly payment reaches the maximum buyers can afford.
"If you make that monthly number smaller, the market responds by raising the price of the house until..."
Nov 13, 2025
Correct
Hypothesizes that if a 100-year mortgage were available, increased buyer affordability would lead to a rapid escalation of home prices as competition drives offers up.
"So, here's what would happen. I show up to the open house along with a hundred other people like me ..."
Nov 13, 2025
Pending
Asserts that when the cost of debt financing becomes cheaper, the price of the asset being financed will rise proportionally.
"The price of the thing itself being financed will not stay cheap. It'll get bit up and up and up."
Nov 13, 2025
Correct
Reiterates the prediction that a 50-year mortgage will cause home prices to rise by roughly 10% to counteract the 10% reduction in monthly payments.
"the moment you introduce the 50-year mortgage, remember, home prices adjust upward. If the monthly p..."
Nov 13, 2025
Pending