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How to Fix the Real Estate Market

2025-08-08 Entertainment
43.1k
1.9k
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Benjamin Cowen
Benjamin Cowen
995.0k subscribers

Decoding Housing Affordability: Why Fed Rate Cuts May Increase Mortgage Costs

Stop expecting the Fed to lower your mortgage rate. Learn why premature rate cuts inflate long-term yields and analyze the uncomfortable truth required to make housing affordable again.

Short Summary

  • Mortgage rates depend on the long end of the yield curve, not directly on the Fed Funds rate.
  • Preemptive rate cuts can revive "animal spirits," increasing inflation risk and pushing long-term yields higher.
  • Historically, cutting rates in September 2024 correlated with an increase in 30-year fixed mortgage rates (from 6.11% to 7.2%).
  • Durable housing affordability requires lower asset prices, which relieves pressure on the cost of borrowing.

This analysis dismantles the widespread misconception that a quick Fed pivot will solve the housing affordability crunch. Speaker 1 investigates the mechanics linking the short end (Fed rate) and the long end (mortgage rates) of the curve. Ultimately, achieving sustainable lower mortgage rates necessitates a difficult shift in asset valuations.

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Description

Let's talk about how to actually fix the real estate market. Into The Cryptoverse Premium SALE: https://intothecryptoverse.com Into The Cryptoverse Newsletter: https://newsletter.intothecryptoverse.com/ LIFETIME OPTION: https://intothecryptoverse.com/product/subscription-to-the-premium-list-lifetime/ Alternative Option: https://www.patreon.com/intothecryptoverse Merch: https://store.intothecryptoverse.com/ Disclaimer: The information presented within this video is NOT financial advice. Telegram: https://t.me/intocryptoverse Twitter: https://twitter.com/intocryptoverse TikTok: tiktok.com/@benjamincowencrypto Instagram: https://www.instagram.com/bjcowen/ Discord: https://discord.gg/UGwc6eR Facebook: https://www.facebook.com/groups/intothecryptoverse Reddit: https://www.reddit.com/r/intothecryptoverse/ Website: https://intothecryptoverse.com/

Top Comments (10)

@SeikenFF 2025-08-08

He’s not talking about your property

349 15 replies
@idokarateandmusicals 2025-08-08

So are you saying the real estate market just needs to go home?

75 2 replies
@btcpapi 2025-08-08

When the GOAT speaks, you listen. S-tier content as always Ben.

35
@Mike-ei4yw 2025-08-08

Damn, interest rates went home and now no one can afford one.

20
@jog4622 2025-08-08

I didn't even know that I was interested in this. Thank you for this insight!

18
@benjaminjcowen 2025-08-02

Into The Cryptoverse Premium SALE: https://intothecryptoverse.com

17 7 replies
@isaiahtraben1429 2025-08-08

Houses have never been more affordable. I've been saving in Bitcoin for over 7 years and have only seen home prices drop.

10 1 replies
@kmantzoukas 2025-08-08

Another top notch analysis from Ben. It's always amazing to me how he educates us all for free. Thanks Ben your effort is much appreciated 👍.

9
@Nocturnal_Dysphoria 2025-08-09

ben change the thumbnail to a tiny home going inside a bigger home

2
@TheOppatunist 2025-08-08

I like commenting under Ben's youtube videos rather than his X posts because I don't get spammed by 20 accounts shilling scams. That is all

2

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