Ten Charts that Show Why We're Not Heading for a Housing Bubble

During the pandemic, it was feared that the large number of borrowers in forbearance would eventually result in tide of foreclosures that would take the down the housing market. The following chart shows that those fears were unfounded.

Chart #2 shows that 81.6% of the borrowers in forbearance have successfully exited.

Chart #3 shows that the crazy loan products (red graph) that existed in the late 90's to the mid 2000's are no longer offered! The orange graph shows that lending standards are far stricter now than they were in the mid 2000's.

Chart #4 Shows that the level of foreclosures is historically very low.

Chart #5 shows that lenders are making nearly as…

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