Japan Just Crushed Your Home Value (No, Really. They Did)

<p>Sponsor Info: 1. Download Kalshi. Use code LOCKDOWN to get $25 when you trade $25. https://kalshi.com/</p><p>2. See if a gold IRA is the right move for you - go to Http://LockdownGold.com or text “Liberty&quot; to 35052 to get your free guide from Augusta Precious Metals.</p><p><br></p><p>The Fed hiked 25 basis points. Your 30-year mortgage did not wait for permission. In this Liberty Lockdown breakdown, Clint Russell explains why long-term rates ripped toward 7.5% before Kevin Warsh’s FOMC even moved, how the 10-year Treasury — not the overnight funds rate — prices your house payment, and why the yen carry trade, Bank of Japan hiking, and a $40 trillion national debt are starving the bid for U.S. duration. He walks through the lock-in effect, frozen transaction volume, forced sellers on HELOCs and bridge debt, and the quiet path from originations drying up to a credit shock and banking contagion. If rates stick or grind toward 8%, affordability dies a second death, builders will not build, and price discovery finally hits the inventory sitting on the sidelines. This is the housing, rates, and dollar map — plus why he’s holding dry powder in T-bills instead of chasing record-high stocks and record-high homes.</p><p>0:00 You won the 3.5% mortgage lottery </p><p>0:28 Why only 35% of people under 35 own a home </p><p>0:48 The Fed hike everybody already priced in </p><p>1:18 Inflation, Hormuz, and the first Warsh hike </p><p>2:05 The Fed does not set your mortgage rate </p><p>2:48 The 10-year just made a 2007 high </p><p>3:20 7.2% to 7.5% in a week </p><p>3:55 The yen is in your house payment </p><p>4:30 Yen carry trade: the world’s ATM is clogged </p><p>5:05 Japan stops subsidizing Washington’s deficit </p><p>5:40 Carry unwind → Treasuries sell off → mortgages rip </p><p>6:05 Energy shock, $40 trillion debt, global duration strike</p><p>7:20 The bond market hiked first. The Fed is catching up </p><p>8:10 What 7.5% does to housing </p><p>8:40 The lock-in effect and tight inventory</p><p>9:30 Affordability dies a second death </p><p>10:30 Buyer-seller gap and a frozen market </p><p>11:10 Why builders will not save you </p><p>11:40 Forced sellers, HELOCs, and a bear market </p><p>12:00 Price discovery </p><p>12:20 Banks, originations, and hidden MBS losses </p><p>13:50 HELOCs, investors, and office vacancy </p><p>14:30 Credit shock: the market seizes without a default wave</p><p>15:20 Different movie, same genre </p><p>15:40 Contagion </p><p>16:00 The Fed sel