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Two interesting articles were released this week on a recent Fitch report citing a housing bubble in the “San Francisco” Bay Area. It’s important to note that Fitch isn’t referring to “San Francisco proper”, or “The City”, rather the entire “MSA”, which covers 5 counties – Alameda, Contra Costa, Marin, San Mateo, and San Fran
Dear Readers,   Thanks for checking out this post.    Three important things first…   1)  Please subscribe to my new Twitter feed…my old one was hacked and shut down.  Or, sign up for free email updates.  Whether we are going into another housing down-cycle or not, you will know more here first.   2) 
Happy New Year. To begin the year, my focus will “continue” to be mainly on the following key housing and mortgage related topics. This is certainly not what a “durable recovery with escape velocity” is supposed to look like. Why a “stimulus-induced house price surge” and “housing market recovery” are two completely different things; The
How do you know when you are in a real estate bubble?  That’s fairly easy.  Knowing when it will pop is the hard part. Air pocket between present, bubbled-out house prices driven by the “unorthodox, unfundamental, incremental demand using unorthodox capital” and fundamental, end-user, shelter-buyer affordability has never been larger. At peak bubble, all that