Loans Elevated

Episode 161: Is the Housing Market Actually in Trouble? The Metrics That Really Matter


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Are rising foreclosure and bankruptcy headlines signaling a housing crash?

 In this episode of the Loans Elevated Podcast, we break down the actual data — not the fear-based headlines — to reveal what’s really happening in the housing market across Utah and nationwide.

We cover:
 • How today’s delinquencies compare to pre-COVID normals
 • Why foreclosure inventory is FAR below historical averages
 • The real story behind rising bankruptcy filings
 • How negative equity remains near historic lows (2% vs. 26% in 2009)
 • Why vacancy rates matter — and what they tell us today
 • The unemployment “trigger point” that could shift the market
 • What would actually need to happen for a housing collapse

Spoiler: Many of the metrics would need to double or triple before we hit legitimate red-flag territory.

We also discuss:
 • Why consumer debt — not mortgage debt — is straining households
 • How homeowners can use equity strategically during uncertain times
 • Why liquidity and planning matter more than ever
 • The danger of making decisions from headlines instead of data

If you’re a homeowner, buyer, investor, or real estate professional, this is your deep dive into the truth behind today’s housing market.

🎧 Tune in to stay informed, not influenced.

🎙 Welcome to the Loans Elevated Podcast!

Your go-to source for expert insights on mortgages, real estate trends, and home financing strategies. Whether you're a first-time homebuyer, real estate agent, or seasoned investor, we break down key topics to help you make informed financial decisions.

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Hosted by:
📢 Broch Lassig, Branch Manager NMLS340314
📢 TJ Heidenreich, Sales Manager NMLS1802412
📢 Ryan King, Loan Officer NMLS1870771
Branch NMLS2048956

Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details.
CrossCountry Mortgage, LLC. NMLS3029 (www.nmlsconsumeraccess.org)

🔹 Disclaimer: The information in this podcast is for educational purposes only and not a substitute for professional financial, legal, or tax advice. Always consult with a qualified professional before making financial decisions.

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Loans ElevatedBy The Lassig Team at CrossCountry Mortgage