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Banks REJECT 2021 Housing Market

US Home Prices are up a record +16% in 2021. Housing inventory is near record lows. Yet Banks and Mortgage Lenders do not appear convinced that the Housing Boom is real. Could a dramatic decline in Mortgage Availability suggest that a Housing Crash is around the corner? The US Housing Market in 2021 is booming according to almost everyone. Prices are up, inventory is down, and there's endless demand coming from home buyers and real estate investors. That's at least according to mainstream news. However, mortgage lenders (banks, investors, online lenders) do not appear so bullish. Mortgage Availability has declined significantly over the last year to levels not seen since the last Housing Crash. This means that banks are becoming much more hesitant to lend. And only borrowers with high incomes and credit scores are considered for a home loan. Lending standards for Conforming Loans - those eventually purchased by Fannie Mae and Freddie Mac - have become especially strict over the last year. In fact, these lending standards for Conforming Loans are the strictest they have ever been according to data from the Mortgage Bankers Association. These strict lending standards run the risk of crashing the US Housing Market. Because once the low-hanging fruit of high-income borrowers dries up, the burden of sustaining record high prices will fall on households with lower incomes and credit worthiness. What will banks do when this happens? Based on current lending standards many of these middle-class households wouldn't be able to qualify for a loan, which would drain the US Housing Market of demand. This could result in a brutal Housing Crash. Become a Channel Member:    / @reventureconsulting   Reventure Links Website: https://reventureconsulting.com/ Contact Us: https://reventureconsulting.com/conta... Instagram:   / reventure_consulting   DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Your use of Reventure Consulting's YouTube channel and your reliance on any information on the channel is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, and Instagram) for communications with Reventure Consulting, LLC does not establish a formal business relationship. 0:00 Banks Say "We're in a Crash" 1:15 Home Prices v. Lending Standards 4:02 Only the MOST QUALIFIED Borrowers 5:18 6.5 Million Purchases / 80% with Mortgages 6:36 Banks = Housing Market Engine 8:07 Fannie v. Freddie v. FHA 9:47 Government Owns the Mortgage Market 11:01 Conforming Loan Availability 12:23 Housing Crash Loan Standards 13:57 Rejections EVERYWHERE 15:50 WHAT'S GOING ON? 17:02 Why are Banks Doing This? 19:12 Low Hanging Fruit has been Picked #HousingMarket #HousingCrash #BanksNotLending