Home prices look flat, but seller concessions, closing cost credits, and builder incentives are quietly hiding real price drops in the housing market. Learn why home prices haven't crashed, how concessions affect your monthly payment, and what to negotiate for on your next home purchase.

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00:00 Introduction
00:50 What Caused the 2008 Crash and Why It Won't Repeat
03:00 Why Prices Stalled Instead of Dropping in 2022
04:00 The Concessions Secret Hidden in Sales Prices
06:19 The Watermelon Analogy: How Prices Are Being Disguised
07:39 How New Build Incentives Are Masking the Real Price
10:08 Why a Natural Price Drop Keeps Getting Delayed
11:30 What You Should Actually Focus on When Buying Now