IT'S OVER: Mortgage Rates Just Hit 8%, Housing Market FROZEN

Описание: Mortgage rates just crossed 8% for the first time in more than two decades, and this isn’t a headline number. It’s a structural breaking point for the U.S. housing market.

In this video, Andrew John breaks down why 8% mortgage rates have effectively frozen the housing market, locking millions of homeowners in place, pricing first-time buyers out entirely, and setting the stage for the largest real estate dislocation in modern history.

This is not another housing crash prediction. It’s a mechanical explanation of how housing markets actually function, why affordability has collapsed, and why traditional policy tools are no longer working.

You’ll learn why over 14 million homeowners with ultra-low mortgage rates are economically trapped, how the lock-in effect is destroying housing liquidity, and why home prices can stay flat on the surface while the underlying market is already breaking. We walk through the math behind affordability, debt service coverage, and purchasing power, showing exactly why a move from 3% to 8% mortgage rates doesn’t slow the market. It stops it.

This breakdown also connects today’s housing freeze to historical parallels like the savings and loan crisis and the 2008 financial crisis, explaining why this cycle may be worse in critical ways. Higher household debt, worse affordability, tighter credit, stressed banks, and the end of Federal Reserve mortgage support are all converging at the same time.

You’ll see why existing home sales have collapsed, why inventory is artificially low, why new construction is stalling, and why forced selling, not voluntary selling, is likely to determine future home prices. This video explains the housing market doom loop in plain terms and why rising unemployment could be the trigger that finally breaks prices lower.

Most importantly, Andrew lays out three asymmetric strategies designed for this environment, not the last cycle. These aren’t speculative trades or timing calls. They’re frameworks for protecting wealth and positioning for opportunity during a prolonged housing and credit dislocation.

If you’re thinking about buying a home, selling a home, investing in real estate, or trying to understand what mortgage rates at 8% really mean for your financial future, this video is essential viewing. The mainstream narrative focuses on hope and rate cuts. This breakdown focuses on incentives, math, and history.

The housing market isn’t crashing. It’s frozen. And frozen markets eventually break.

Watch until the end to understand what comes next, how long this could last, and how to avoid being on the wrong side of the largest wealth transfer in a generation.

Disclaimer:
This video is for educational and informational purposes only and does not constitute financial, investment, or legal advice. All opinions expressed are personal views based on publicly available information and historical analysis. You should consult with a qualified financial professional before making any investment or financial decisions. Markets involve risk, and past performance is not indicative of future results.