10.30.25

Written by Chase Majerus

The Housing Market Crash That Isn’t Haunting You

Once upon a mortgage dreary, while we scrolled through news so eerie, Came three tales of housing’s fate, each more chilling than before. Of movers vanished, rent enchanted, and home values disenchanted, All while whispers filled the market: “The crash?” not yet in store.

As pumpkins flicker, Zillow quivers, and credit scores rise from the floor, We peek beyond the cobwebbed headlines, seeking truths we can’t ignore. For though the markets creak and mutter, there’s hope beneath the cellar door, A ghostly guide named S1 FinFit, whispering, “Fear your finances no more.”

So grab your broomsticks, dear subscribers, Tonight (or today), we fly through haunted data and cursed charts galore. And whether you rent, own, or merely haunt Zillow for sport… We promise, this Week Today will raise your spirits (and maybe your credit score).

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Today's Agenda:

S1L Home Equity Loan

Use Your Home For The Best Future Gains

A home equity line of credit, or HELOC, lets you borrow against your home’s available equity. Applying for a HELOC with Synergy One Lending is fast and easy. Our application is fast, easy, and all online. If pre-approved, you’ll be instantly presented with your offer options.

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The Haunting of Staying Put: U.S. Mobility Hits Historic Lows

(from Housingwire.com)

America’s gone from Night of the Living Movers to The Haunting of Staying Put. Only 11% of Americans changed addresses in 2024, that’s less than half the rate from the 1960s, when the country was practically a caravan of cardboard boxes and U-Hauls.

According to new Census data analyzed by Point2Homes, renters are still wandering the earth more than homeowners, but overall mobility has flatlined like a vampire at sunrise. Rising home prices, mortgage rates, and a post-COVID boom in remote work have Americans locking the doors, boarding the windows, and staying eerily still.

States like New Jersey and New York have become ghost towns for movers (under 10% of residents packed up last year), while Alaska and Nevada are still alive and kicking with rates around 13–14%.

Experts warn this “mobility paralysis” isn’t just spooky — it’s stunting. Fewer people are chasing new jobs, starting fresh, or rolling the dice on new opportunities. In short: America used to be restless spirits chasing the next adventure. Now, we’re haunting our current zip codes.

Read more here

Social Space

Our Top Social Links of the week

My favorite part of Halloween (besides inhaling fun-sized) is the houses. So this week, we’re combining Major Mansion and Social Space into one glorious, pumpkin-scented mashup. Because whether it’s million-dollar real estate or front-yard graveyards, there’s no denying Americans go full-tilt when it comes to making their homes look terrifyingly good. 

Video:
The Case of the MISSING CAT (scary in an unconventional way) – Watch here!

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This will surely scare off all Trick or Treaters – Watch here!

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This fam went hardcore for Stranger Things – Watch here!

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Ride the Haunted Mansion here! – Watch here!

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This neighborhood takes Halloween seriously – Watch here!

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Serious question… how do people DO THIS?? – Watch here!

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NYC Upper East Side is going FULL TILT – Watch here!

Financial Fitness

The Housing Market Crash (That Isn't Coming to Haunt You)

For years, people have been waiting for the housing market to crash, but according to economists, 2025’s market looks more “mildly possessed” than “undead apocalypse.”

JPMorgan says supply still can’t catch up to demand, unemployment’s steady at 4.3%, and even Zillow’s predicting only a 0.9% dip in prices this year. Translation? This isn’t a haunted rerun of 2008. Lending rules are tighter, home equity is stronger, and there’s no swarm of risky loans ready to eat the economy alive.

Unless a wave of job losses or mass foreclosures materializes, the only thing dropping fast right now are your hopes of buying a half-off mansion. (read this article for that info)

SO… if you’re WAITING, you’re LOSING

In today’s market, the scariest move is standing still. Waiting for a “crash” that may never come means missing out on years of potential equity, credit growth, and experience as a homeowner. The real horror story? Watching everyone else build wealth while you’re still ghosting your goals.

If you’re PREPARING, you’re WINNING.

That’s why we built S1 FinFit, the free app that helps you turn fear into financial power.

Meet S1 FinFit: Your Anti-Anxiety App for Money

Achieving financial freedom doesn’t have to be a nightmare. S1 FinFit gives you a clear, step-by-step plan to get mortgage-ready and master your money without the stress. It’s designed to guide you through your entire financial journey, from boosting your credit to tracking your net worth, like a friendly ghost whispering, “you got this.”

Here’s what you can do with S1 FinFit:

  • Credit Monitoring & Simulation: Watch your credit score rise from the grave and run “what-if” scenarios to see how paying off debt or opening new accounts affects it.
  • Budgets & Goals: Track every dollar, get alerts when you’re off course, and celebrate when you’re on track — no jump scares, just progress.
  • My Property Value: Keep tabs on your home’s worth and equity in real time. See what homes nearby are selling for and how your investment stacks up.
  • All-in-One Dashboard: Check your accounts, credit cards, loans, and investments in one spooky-good snapshot of your financial life.
  • Financial Readiness Tools: Set goals, learn best practices, and determine how close you are to buying that dream home (or haunted one).

So this Halloween, don’t be afraid of your finances, face them. Because the real trick is letting fear keep you from your future.

Stake your claim in financial immortality

S1 FinFit App

Digital financial assistant at your fingertips

S1 FinFit is a FREE app that provides a roadmap to help you reach your financial and lifestyle goals, no matter how big or small! Free credit monitoring with alerts, set financial goals, create budgets, and keep track of your spending to see where your money is going.

Download the app on the appropriate app store with the links below!

Keychain

Phantom Payments

(from Realtor.com)

America’s gone from Night of the Living Movers to The Haunting of Staying Put. Only 11% of Americans changed addresses in 2024, that’s less than half the rate from the 1960s, when the country was practically a caravan of cardboard boxes and U-Hauls.

According to new Census data analyzed by Point2Homes, renters are still wandering the earth more than homeowners, but overall mobility has flatlined like a vampire at sunrise. Rising home prices, mortgage rates, and a post-COVID boom in remote work have Americans locking the doors, boarding the windows, and staying eerily still.

States like New Jersey and New York have become ghost towns for movers (under 10% of residents packed up last year), while Alaska and Nevada are still alive and kicking with rates around 13–14%.

Experts warn this “mobility paralysis” isn’t just spooky — it’s stunting. Fewer people are chasing new jobs, starting fresh, or rolling the dice on new opportunities. In short: America used to be restless spirits chasing the next adventure. Now, we’re haunting our current zip codes.

Read more here

The Case of the Vanishing Equity: Home Values Lose Their Bite

(from CNBC.com)

America’s biggest investment just got a little… bloodless. According to the latest S&P Case-Shiller report, home prices rose just 1.5% year-over-year in August, which sounds fine until you realize inflation is running around 3%. Translation: homeowners are technically losing money in real terms for the fourth month in a row.

It’s not a total collapse, just a slow drain. High mortgage rates have kept buyers in their coffins and sales volume low, turning what should’ve been a hot summer market into a graveyard of stalled listings. Prices climbed in cities like New York (+6.1%) and Chicago (+5.9%) but slipped in others, especially the pandemic-boom metros like Tampa, Phoenix, and San Diego.

Experts say it’s an “adjustment” toward a more sustainable market — which is economist speak for “your home’s not dying, it’s just resting.” But for now, even the most loyal homeowners are watching their equity fade like a ghost at sunrise.

Read more here

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