The American housing market is facing unprecedented challenges, and according to Federal Reserve Chairman Jerome Powell, the situation could get significantly worse in the coming years. Speaking before Congress, Powell warned that mortgages may become nearly impossible to obtain in certain parts of the U.S. due to a growing crisis in the insurance industry.

With rising risks from natural disasters, supply shortages, and high interest rates, the housing market’s long-term stability is in question. For many Americans, investing in gold and silver may provide a more secure way to build and protect wealth than relying on real estate.

Why Homeownership Is Becoming More Difficult

For generations, homeownership has been seen as the cornerstone of financial stability, but new risks are threatening that perception. Powell’s comments highlight how insurance companies are pulling out of high-risk areas, making it difficult—if not impossible—for potential homebuyers to secure a mortgage.

🔹 Insurers are canceling policies in disaster-prone regions, such as coastal areas and wildfire zones.
🔹 Lenders require homeowners insurance to issue a mortgage, so without coverage, home purchases become infeasible.
🔹 State-backed insurers of last resort are stepping in, but their coverage is expensive and less comprehensive.
🔹 Banks and insurers are hesitant to take on more risk, further limiting mortgage availability.

If Powell’s predictions hold true, entire regions of the U.S. could see their real estate markets collapse due to lack of financing options—an outcome that would send ripple effects across the economy.

The Housing Affordability Crisis: Is Real Estate Still a Good Investment?

Beyond the insurance crisis, housing affordability remains a major roadblock for buyers. Powell acknowledged that even if interest rates drop in the coming years, it may not ease housing inflation.

Why? Because lower rates could simply increase demand, causing prices to stay elevated.

The Key Challenges in Housing Today:

📉 Lack of supply – Homebuilding hasn’t kept pace with demand.
📉 Soaring prices – Many buyers remain priced out of the market.
📉 High mortgage rates – Borrowing costs remain historically high.
📉 Potential market volatility – Economic uncertainty adds another layer of risk.

Even if rates come down in the future, housing may not be the wealth-building tool it once was, especially as risks continue to mount.

Gold & Silver: The More Secure Alternative to Real Estate

With real estate investment becoming increasingly risky, many Americans are looking for alternative ways to protect their wealth. This is where gold and silver shine.

Unlike real estate, gold and silver do not rely on external factors like insurance, mortgage rates, or housing supply. Instead, they serve as safe-haven assets, offering long-term value protection even in times of economic uncertainty.

Why Gold & Silver Are a Stronger Investment Right Now:

• Gold is a proven hedge against inflation – While housing prices fluctuate, gold retains its value and often increases in price during economic instability.
• Silver’s industrial demand is rising – With growing use in solar panels, electric vehicles, and technology, silver remains a valuable commodity.
• No reliance on interest rates – Unlike real estate, gold and silver don’t require loans, insurance, or banks.
• Central banks are accumulating gold – Major economies are buying gold in record amounts, reinforcing its long-term stability.
• Physical gold and silver offer true ownership – Unlike a house, precious metals are portable, liquid, and globally recognized as valuable assets.

For investors concerned about economic instability, inflation, and housing market volatility, gold and silver provide a more predictable and secure way to store wealth.

Will Housing Become Even Riskier in the Future?

While Powell pointed out that interest rate cuts could eventually help homebuyers, the reality is that the long-term outlook for housing remains uncertain.

✔ Insurance costs are rising, making real estate a more expensive and risky asset.
✔ Mortgage availability is shrinking for buyers in high-risk areas.
✔ Real estate taxes and maintenance costs continue to climb, cutting into potential profits.
✔ Global economic uncertainty could further disrupt housing markets.

Given these factors, many investors are reconsidering real estate as a wealth-building tool and shifting their focus to gold and silver.

Why Now Is the Best Time to Buy Gold & Silver

With the real estate market becoming riskier, smart investors are turning to precious metals as a reliable alternative for preserving wealth.

• Gold and silver have a history of long-term growth and stability.
• Economic and market uncertainty favors safe-haven assets.
• Precious metals offer liquidity and global recognition.

If the Federal Reserve’s concerns about mortgages and housing affordability come true, the risk of real estate investments dropping in value becomes very real. Meanwhile, gold and silver continue to offer stability in times of crisis.

Secure Your Wealth with GoldenCrest Metals

The real estate market is facing unprecedented challenges, and homeownership is becoming increasingly uncertain. If you’re looking for a reliable way to protect and grow your wealth, investing in gold and silver may be the best solution.

At GoldenCrest Metals, we specialize in helping investors secure their financial future through precious metals. Whether you’re considering gold bars, silver coins, or diversifying your retirement portfolio, our experts can guide you through the best options.

Contact GoldenCrest Metals today to speak with a precious metals specialist and learn more about how gold and silver can safeguard your retirement in these uncertain times. Don’t wait—secure your wealth before market instability worsens!

Source:

https://news.yahoo.com/news/finance/news/powell-predicts-a-time-when-mortgages-will-be-impossible-to-get-in-parts-of-us-190820841.html