Is the Housing Market Going to Crash Like 2008? Here’s What’s Different This Time

Is the Housing Market Going to Crash Like 2008? Here’s What’s Different This Time

Kenn Bartley
Published on: 01/01/2026

If you’ve been watching headlines or scrolling social media, you’ve probably heard the same question on repeat: “Is the housing market about to crash like 2008?” It’s a fair question, because 2008 left a mark. But the important thing to understand is this: a housing crash is not just “prices going down.” A true crash usually needs a combination of risky lending, forced selling, and a flood of inventory that overwhelms demand. Today’s market has challenges, but the foundation is different.

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Rent vs. Buy in 2025: Which Is More Affordable Long-Term?

Rent vs. Buy in 2025: Which Is More Affordable Long-Term?

Kenn Bartley
Published on: 10/11/2025

In 2025, many homebuyers are asking the same question: should I keep renting, or is it finally time to buy a home? At first glance, renting still appears to be the cheaper option. In many U.S. cities, the monthly rent on a typical apartment is about $900 less than the mortgage payment for a starter home. But the story doesn’t end there.

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What Credit Score Do You Need to Qualify for a Mortgage in 2025?

What Credit Score Do You Need to Qualify for a Mortgage in 2025?

Kenn Bartley
Published on: 10/11/2025

One of the most common questions Kenn Bartley hears from clients at kennbartley.com is: “What credit score do I need to get approved for a mortgage?” In 2025, the answer depends on the type of loan you’re applying for—but there’s encouraging news for buyers across the credit spectrum.

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How Much Home Can You Afford in Today’s Climate?

How Much Home Can You Afford in Today’s Climate?

Kenn Bartley
Published on: 17/10/2025

Affordability is always a central concern for homebuyers, but with mortgage rates higher and home prices elevated, many are reassessing what they can realistically buy. The uncomfortable reality: homes that seemed within reach may now stretch monthly budgets too thin. The encouraging truth: even small improvements in mortgage terms — a slightly lower rate, longer timeline, or better down payment — can expand your buying power. In this post, let’s break down how to calculate your affordable range, show you examples, and offer strategies to stretch your budget.

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Consumers wishing to file a complaint against a banker or a residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

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Interactive calculators are self-help tools. All examples are hypothetical and are for illustrative purposes only.