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​Video Newsletters

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​Wilmington, NC
Real Estate Market Analysis for 2021, 
Housing Crisis of 2008 
and
The Bankruptcy Protection Act of 2005
​Projections for 2022

​(go to 2021 market analysis)
​This video was created in January of 2022 by Brad Van Amberg.  The media has long blamed the banks for creating the housing crisis of 2008.  Yes, the banks bundled prime Fannie Mae conforming loan with sub-prime loans.  The sub-prime loans yielded much higher interest rates than the conforming loans.  There was also more risk that some of these homeowners would default on the loans.  If the banks had not been so quick to foreclose the market might have been able to maintain its values to enable the troubled owner a chance to sell their home.  The Bankruptcey Act of 2005 created problems for homeowners that led to the massive defaults on mortgage which led to the housing crisis which led to the collapse of 359 banks starting in 2007.

The Bankruptcy Protection Act
​of 2005

Banking Lobby's Biggest Victory
​(go to Bankruptcy Protection Act 2005)
​Here we are heading into 2020 and we are still feeling the effects of the Bankruptcy Act of 2005.  Our markets have not recovered to the market sales prices of 2007.  Many homeowners still remain under water with their homes and are unable or unwilling to place their homes on the market.  The result is the inventory shortage that this area is experiencing.

Brad Van Amberg, BIC                            
Van Amberg Realty                                      Brad.VanAmberg@gmail.com  
  • Home Page
  • Brad's Bio
  • Video News Letter
    • Chapter 1 - Crisis of 2008 >
      • Bankruptcy Protection Act 2005
  • Testimonials
  • Investors
    • Investor Rental Properties
    • Private Lenders
    • Asset Based vs Conventional
    • Borrower Overview
    • Debt Service Coverage Ratio
    • Fix & Flip + Articles
    • Case Study
    • Q&A
  • Listing Services
  • Lender Services
    • Foreclosures
    • Opportunity Zone
  • Schools
    • Ashley HS
    • Career Readiness HS
    • Hoggard HS
    • Isaac Baer Early College
    • Laney HS
    • New Hanover HS
    • Southeast Techinal
    • Topsail
    • Wilmington Early College
    • School Districts
  • Softball
  • Vendors
    • Garage Doors
    • Home Inspection
    • Irrigation Systems
    • Power Washing
    • Surveyor
  • Wilmington
    • Historic District
    • Kure Beach
    • Freeman Park
    • Carolina Beach
    • Carolina Beach
    • Carolina Shag
    • Wrightsville Beach
  • Housing Mkt