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Melody Wright is a U.S. housing and mortgage-market analyst. In this conversation, Melody discusses the distressing state of the housing market and shares her predictions for what’s coming. Chapters 00:00 Current State of the Housing Market 03:58 Understanding FHA Loans and Their Impact 10:02 The San Diego Housing Market 16:49 Historical Context: How We Got Here 24:51 The Future of Housing: Predictions and Concerns 31:04 The Housing Market Recovery 32:39 The Shelter Crisis and Homelessness 34:35 The Role of Non-Bank Lenders 35:57 Delinquency Rates and Foreclosure Trends 38:23 New Home Inventory Dynamics 40:42 Urban vs. Suburban Living Trends 41:27 The Reliability of Housing Data 46:38 Government Intervention and Economic Stability 51:26 Nvidia and Corporate Accountability 56:12 Preparing for Economic Uncertainty Connect with Melody X: https://x.com/m3_melody Substack: https://substack.com/@m3melody YouTube: / @m3_melody Videos Melody Discussed Where is Coreweave’s Money Coming From? • Where is Coreweave's Money Coming From? Nobody Special Reacts to Coreweave CEO on Mad Money with Jim Cramer • Nobody Special Reacts to Coreweave CEO on ... Nvidia is Renting It's Own Chips Back From Coreweave • Nvidia is Renting It's Own Chips Back From... Topics housing market, FHA loans, mortgage crisis, real estate, home prices, delinquencies, Nvidia