The Hidden Risk Zones in Today’s Housing Market

It’s 2025. Prices in some housing markets are cooling, and buyers are getting nervous. But here’s the plot twist: we’re nowhere near another 2008.

In this episode, I unpack the latest data on underwater mortgages across the U.S.—where they’re rising, why it’s happening, and why it’s not time to freak out.

🧠 You’ll learn:

• Why only 1% of all U.S. mortgages are underwater right now—despite market dips in places like Austin, San Antonio, and Cape Coral

• The key difference between now and 2008: very few people bought at the absolute peak

• Which recent homebuyers (especially from 2022–2024) are most at risk of negative equity, especially in fast-appreciating Sun Belt markets

• Why ultra-low mortgage rates are keeping millions of homeowners stable, even as prices soften

• How places like Lakeland, FL and Austin, TX are seeing 10–27% of recent buyers in negative equity territory (yes, you read that right—27% for Cape Coral’s 2023–2024 buyers)

• What this means for sellers, investors, and first-time buyers heading into 2026

Whether you're holding, buying, or advising others, understanding this equity snapshot could mean the difference between smart moves and costly mistakes.

If you ever want to buy or sell a property anywhere in the world, our team would be honored to help get you to your next destination.

Until next time, stay curious, stay grateful, and as always… stay ALL IN!

 

Amit Bhuta COMPASS ALL IN Miami Group Licensed Real Estate Agent

[phone] Mobile ALLinMiami.com