2025 Foreclosure Spike - What is Happening in the Housing Market
Nov 18, 2025
Foreclosure filings are on the rise, moving towards levels not seen since 2019, but the current economic environment is precarious. Inflation and stagnant wages are pressuring homeowners. Vulnerable borrowers include recent buyers and those with high-rate loans. The discussion highlights how declining travel demand signals economic pullback. Equity erosion may leave new buyers underwater, while most foreclosures remain concentrated among a small group. Insights into opportunities in cooling markets and entry-level housing are also shared.
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insights INSIGHT
Foreclosures Are Rising Again
Foreclosures are rising roughly 17–19% year over year, moving toward 2019 monthly filing levels but still below them.
This increase is meaningful and worth watching as a slow-moving default cycle may be starting.
insights INSIGHT
Inflation Is Driving New Defaults
Inflation and overall affordability stress are key drivers now that differ from 2019.
Wages haven't kept up, and rising staple costs squeeze homeowners' ability to meet mortgage obligations.
question_answer ANECDOTE
Weekly Payments Can Trap Budgets
Danille described households paying weekly for extended stays and cars, which can be costlier than monthly rent but force strict budgeting.
Those weekly bills can trap people into higher-cost cycles despite seeming more manageable short-term.
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Foreclosures are rising again, climbing back toward 2019 levels — but today’s economic backdrop is far more fragile. In this video, we break down the data, the drivers, and why this slow-moving default cycle could reshape opportunities for both homeowners and investors
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