Keys to the Future: Navigating Today’s Housing Market Together
From Keep it Simple by assetbuilder
September 3, 2025 · 38 min · Episode 100
About this episode
The episode discusses the current challenges in the housing market and strategies for families to assist Gen Z and Millennials in becoming homeowners.
Keys to the Future: Navigating Today’s Housing Market Together In this Keep It Simple Podcast episode, host Joey Badinger joins advisors Adam Morse and Tommy Williams at AssetBuilder’s Plano HQ to unpack what’s really going on in today’s housing market—and how families can work together to help Gen Z and Millennials become homeowners. They trace the arc from early 20th-century mortgages to post-WWII suburbia, the 1970s rate shock, 2000s subprime bubble, post-COVID surge, and today’s challenging mix of higher rates, compressed affordability, insurance spikes, student debt, and constrained supply. What You’ll Learn Housing history in a hurry: From 5-year loans and big down payments to the 30-year mortgage, GI Bill suburbs, the 1970s rate peak, the subprime crisis, and COVID-era price jumps. Why affordability is strained now: Home-price-to-income ratios, higher mortgage rates vs. locked-in low-rate owners, insurance costs, and student debt. Supply vs. demand realities: Aging-in-place, building restrictions, private investors in starter homes, and why listings can rise even as affordability falls. Programs that help first-time buyers: Where to look for down-payment assistance…
People in this episode
Host: Joey Badinger
Guests: Adam Morse, Tommy Williams
Topics covered
- housing market
- homeownership
- affordability
- mortgage history
- first-time buyers
- family strategies
Keywords
- Gen Z
- Millennials
- housing history
- mortgage rates
- down-payment assistance
Mentioned in this episode
Products: HomeReady, Home Possible
Books & works: Keep It Simple
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