Posts from June 2026
Subscribe and receive email notifications of new blog posts.
RSS Feed
2
Everyone Waiting for the Crash
There's a lot of talk right now about mortgage debt hitting an all‑time high. And if you're someone who's been waiting for that to trigger a drop in home prices, the instinct makes sense. Big debt numbers feel scary. But the real story sits underneath those headlines.
Today, U.S. homes are worth roughly $48 trillion. Against that, owners owe about $14 trillion in mortgage debt. That leaves an incredible $34 trillion in equity—real, tangible value that homeowners actually own.
Put another way: for every dollar of mortgage debt in this country, there's about $2.40 in equity behind it, according to the Federal Reserve. That's the opposite of a fragile market.
Housing crashes don't happen because prices are high. They happen when lar...