The Affordable Mortgage Depression
Government policies were designed to increase homeownership. Affordable Mortgages, created to realize this goal, were responsible for the Housing Bubble and distorted the economy. The unwinding of these distortions will result in a Global Depression.
The Affordable Mortgage Depression: Category Archive for Housing Market Analysis

Why the Housing Depression Can Not End Before 2014: Four Updated Charts

Posted by Whitney Ross at 6/15/2011 4:38 PM | Add Comment

Updated Chart: Housing Prices Remain Wildly Overvalued Due to 27 Months of Subsidization

Posted by Whitney Ross at 6/9/2011 5:51 PM | Add Comment

Housing Armageddon Arrives Just in Time for the Holidays

Posted by Whitney Ross at 10/25/2010 12:47 PM | View Comments (1) | Add Comment

The Housing Bubble: A Modern Greek Tragedy

Posted by Whitney Ross at 9/24/2010 9:10 PM | View Comments (1) | Add Comment

Pending Home Sales Rebound to Third Lowest Level on Record

Posted by Whitney Ross at 9/2/2010 7:28 PM | Add Comment

New Home Sales Lowest on Record

Posted by Whitney Ross at 8/26/2010 11:09 AM | Add Comment

"Game Over" for Housing as Stimulus Creates the Worst Market Conditions of the Depression. Months of Inventory for Sale Is at a Post-Bubble High.

Posted by Whitney Ross at 8/24/2010 4:24 PM | Add Comment

Tim Geithner Clearly Articulates His Lack of Housing Market Understanding

Posted by Whitney Ross at 8/23/2010 2:56 PM | Add Comment

Obama's Stimulus Has Created a Worse Housing Market Than Before the Bill Was Implemented

Posted by Whitney Ross at 8/3/2010 12:01 PM | Add Comment

Buying A House at Current Valuation Levels Has Been a Sucker's Bet for 120 Years

Posted by Whitney Ross at 6/23/2010 8:09 PM | View Comments (2) | Add Comment

There is No Economic Recovery: New Home Sales Crater as Failed Subsidies Lapse

Posted by Whitney Ross at 6/23/2010 5:38 PM | Add Comment

Attention Renters: You Are Paying Too Much Money for Your Home

Posted by Whitney Ross at 6/21/2010 2:35 PM | View Comments (3) | Add Comment

Revisiting "Could U.S. Net Home Equity Fall to Zero?"

Posted by Whitney Ross at 6/19/2010 11:22 AM | View Comments (5) | Add Comment

The Impact of Falling Prices on Housing Bubble Home Equity - Revisited

Posted by Whitney Ross at 6/18/2010 4:18 PM | Add Comment

A Profound Housing Market Transformation

Posted by Whitney Ross at 6/17/2010 11:32 PM | Add Comment

Graphical Analysis of Mortgage Rates, Housing Demand and Home Prices

Posted by Whitney Ross at 6/15/2010 5:22 PM | Add Comment

Could Rising Mortgage Rates Cause Demand for Housing to Increase?

Posted by Whitney Ross at 6/14/2010 10:12 PM | Add Comment

Proposed Movie Sequel: "Son of FrankenBubble". A Suspense Thriller Based on The Obama Housing Bubble Story

Posted by Whitney Ross at 6/10/2010 12:04 PM | View Comments (1) | Add Comment

The World's Largest Predatory Lender Promotes Derivatives Speculation

Posted by Whitney Ross at 6/8/2010 9:22 PM | View Comments (1) | Add Comment

Expiring Tax Credit Fails to Prevent 6th Consecutive Month of National Housing Price Declines. Chicago in Freefall.

Posted by Whitney Ross at 5/25/2010 10:25 AM | View Comments (3) | Add Comment

Disastrous April Housing Report Portends of Record Inventory in 2010

Posted by Whitney Ross at 5/24/2010 11:51 AM | Add Comment

May 1st, 2010: The Day Housing Died Again

Posted by Whitney Ross at 5/11/2010 9:28 PM | Add Comment

Delay and Pray: The National Foreclosure Strategy

Posted by Whitney Ross at 5/6/2010 11:32 PM | Add Comment

"Why Housing Will Not Fully Stabilize and Recover Before 2014" or "You Would Have to Be Fool to Buy a House Now"

Posted by Whitney Ross at 5/5/2010 3:31 PM | View Comments (9) | Add Comment

The Housing Market Collapse Accelerated for the 7th Straight Month in February (Case-Shiller Analysis)

Posted by Whitney Ross at 4/27/2010 1:39 PM | Add Comment

Real Estate Prices Will Fall Due to Broad Increase in Distressed Transactions

Posted by Whitney Ross at 4/21/2010 2:04 PM | Add Comment

If You Are Going to Buy a House, and Are Sensitive to Price, Why Would You Purchase a Non-Distressed Property?

Posted by Whitney Ross at 4/11/2010 10:01 PM | Add Comment

Distressed Mitigation Efforts Overwhelmed by Economic Reality

Posted by Whitney Ross at 4/9/2010 12:59 PM | Add Comment

Why Prices Rose During the Housing Bubble: Debt and Leverage

Posted by Whitney Ross at 3/22/2010 8:59 AM | Add Comment

Why Owning a House is No Longer a Safe Investment

Posted by Whitney Ross at 3/17/2010 12:00 PM | View Comments (1) | Add Comment

“Affordable Housing” Incompetence and Hypocrisy

Posted by Whitney Ross at 3/16/2010 10:40 AM | Add Comment

Portrait of a Failed Attempt to Prop Up Housing Prices

Posted by Whitney Ross at 3/3/2010 10:17 PM | Add Comment

Housing Sales “Unexpectedly” Collapse Providing Institutional Economists an Education in Economics and Common Sense

Posted by Whitney Ross at 3/1/2010 9:12 AM | View Comments (1) | Add Comment

Explanation of Case-Shiller Monthly Analysis Methodology

Posted by Whitney Ross at 2/23/2010 11:58 PM | Add Comment

When Exactly, Precisely Did The Housing Bubble Begin? Part II: Home Prices

Posted by Whitney Ross at 2/14/2010 9:37 PM | Add Comment

When Exactly, Precisely Did the Housing Bubble Begin? Part I: Homeownership

Posted by Whitney Ross at 2/10/2010 12:13 PM | Add Comment

Putting the Housing Crash in Perspective with an Analysis of the Case-Shiller November Data

Posted by Whitney Ross at 2/3/2010 7:41 PM | Add Comment

What Happens When Consumer Behavior is Distorted by Government Subsidies? A Case Study Which Bodes Poorly for Housing.

Posted by Whitney Ross at 2/2/2010 11:17 PM | Add Comment

As Expected, Existing Home Sales Collapsed Following the Zenith of "Cash-For-Condos"

Posted by Whitney Ross at 1/25/2010 12:13 PM | Add Comment

Why Housing Prices Will Resume Collapse in 2010

Posted by Whitney Ross at 1/21/2010 10:01 PM | Add Comment

The Government Continues to Creates New Foreclosures

Posted by Whitney Ross at 12/1/2009 1:24 PM | Add Comment

Housing Prices Continue to Plummet Despite Extraordinary Government Intervention

Posted by Whitney Ross at 11/23/2009 11:01 AM | Add Comment

There is No Economic Recovery: Record Mortgage Delinquencies and Foreclosures Continue

Posted by Whitney Ross at 11/19/2009 7:29 PM | Add Comment

Why NAR's Rosy Housing Price Prediction Will Be Wrong Again

Posted by Whitney Ross at 11/16/2009 10:22 AM | Add Comment

What Is Your House Worth Without Government Subsidies?

Posted by Whitney Ross at 10/15/2009 10:45 AM | Add Comment

A Practical Lesson in “Recoveries” Which Are Predicated Upon Subsidized Consumer Spending

Posted by Whitney Ross at 10/5/2009 10:59 AM | Add Comment

Viewing the Housing Bubble Through a Prism of Five-Year Periods

Posted by Whitney Ross at 8/5/2009 8:00 AM | Add Comment

Housing Analysts and the Media Have Lost Their Collective Minds over the Case-Shiller April Price Declines

Posted by Whitney Ross at 7/1/2009 8:16 AM | Add Comment

Debunking Housing Market Dogma and Misinformation

Posted by Whitney Ross at 6/26/2009 11:44 AM | Add Comment

A Response to the Perception that Today's Mortgage Rates are Low Relative to the Housing Bubble

Posted by Whitney Ross at 6/18/2009 11:38 AM | Add Comment

A Graphical Illustration Why Manipulating Mortgage Rates Lower to "Save Housing" is Absurd

Posted by Whitney Ross at 6/17/2009 12:19 PM | Add Comment

What Needs to Happen to Owner’s Home Equity for Housing to Stabilize Before 2014

Posted by Whitney Ross at 6/14/2009 4:18 PM | Add Comment

A Centrally Important Housing Question Posed to Anyone Who Has a Reasonable Answer?

Posted by Whitney Ross at 6/12/2009 10:43 AM | View Comments (4) | Add Comment

The Impact of Falling Prices on Housing Bubble Home Equity

Posted by Whitney Ross at 6/10/2009 10:12 AM | View Comments (3) | Add Comment

A Focus on Home Equity Since the Housing Bubble’s Inception

Posted by Whitney Ross at 6/9/2009 9:55 AM | View Comments (3) | Add Comment

The Addled Oracle Prostitutes Himself to NAR. Lawrence Yun Positively Giddy!

Posted by Whitney Ross at 5/12/2009 3:12 PM | Add Comment

When Will the Housing Recession End? A Graphical Illustration Why the Downturn Will Persist Through 2013

Posted by Whitney Ross at 5/11/2009 12:50 PM | View Comments (2) | Add Comment

The Homeownership Bubble - An Economic Crisis Explained

Posted by Whitney Ross at 5/5/2009 12:30 PM | View Comments (5) | Add Comment

Why this Economic Downturn is "The Affordable Mortgage Depression"

Posted by Whitney Ross at 4/29/2009 12:11 AM | View Comments (3) | Add Comment

“Kick the Can”, “Hot Potato”, “Home Price Relativism” and Other Fun Housing Depression Games

Posted by Whitney Ross at 4/27/2009 10:34 PM | Add Comment

Cogent Response to "Lessons from my Fantasy Baseball Draft"

Posted by Whitney Ross at 4/15/2009 1:26 PM | Add Comment

Good Fortune Portrayed as Tragedy by the New York Times

Posted by Whitney Ross at 4/14/2009 10:04 AM | Add Comment

Fishkind's Florida Folly

Posted by Whitney Ross at 4/12/2009 3:35 PM | View Comments (2) | Add Comment

Why Keynes is Irrelevant

Posted by Whitney Ross at 4/9/2009 9:26 PM | Add Comment

Interesting Analysis of Case-Shiller Home Price Index Data

Posted by Whitney Ross at 4/8/2009 11:54 AM | View Comments (8) | Add Comment

Alan Greenspan's Irrational Mortgage Interest Rate Exuberance

Posted by Whitney Ross at 3/31/2009 10:06 AM | Add Comment

Revisiting the Defining Chart of “The Affordable Mortgage Depression”

Posted by Whitney Ross at 3/10/2009 9:35 AM | Add Comment

Obama's Foreclosure-Prevention Plan Will Lengthen the Depression by Years

Posted by Whitney Ross at 3/5/2009 10:59 AM | Add Comment

Members of Our Government Are Propagating Self-Serving Lies

Posted by Whitney Ross at 2/24/2009 11:05 AM | Add Comment

Mortgage Rates Do Not Matter

Posted by Whitney Ross at 11/26/2008 4:07 PM | Add Comment

Don't Buy a House Yet!

Posted by Whitney Ross at 11/24/2008 9:13 PM | View Comments (4) | Add Comment

The Real Estate Bubble

Posted by Whitney Ross at 11/3/2008 12:43 PM | Add Comment

The Influence of Foreclosures on Housing Market Prices

Posted by Whitney Ross at 11/3/2008 12:31 PM | Add Comment
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