

2268: Debunking Housing Bubble Myths- The Truth About Inflation, Housing Prices, and Mortgage Rates in 2025 with Expert Mortgage Broker Jason Thibodeau
Feb 5, 2025
In this discussion, Jason Thibodeau, an expert mortgage broker with two decades of experience in the mortgage market, reveals insights on the economy and housing market. He highlights how inflation disproportionately affects millennials, creating barriers for first-time homebuyers. The conversation dives into the complexities of measuring shelter costs and critiques the Federal Reserve’s approach to inflation. Thibodeau also addresses misconceptions in the real estate market and the need for government action to improve affordable housing options.
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Shelter and Inflation
- Shelter is the primary factor keeping inflation persistently above the 2% target.
- Real-time rent data suggests inflation is closer to 2.3%, not the reported 2.8%.
Housing Market Cross Currents
- Building on federal lands doesn't solve the entry-level housing shortage; construction costs are the main issue.
- Tariffs increase housing costs, but can also stimulate job growth and higher wages, potentially offsetting inflation.
Avoid Market Timing
- Avoid market timing; it consistently leads to losses in any asset class.
- Focus on entering the market and taking advantage of opportunities as they arise.