The financial narrative surrounding homeownership in the U.S. has always been about securing the American dream, but beneath the surface, agencies like Freddie Mae, Freddie Mac, and FHA have been quietly orchestrating a system that perpetuates debt. While these organizations claim to help people get homes, they’re often the same agencies indirectly involved when a foreclosure notice lands on your doorstep. Particularly in places like Oregon, this has become a darkly ironic cycle—though they claim not to foreclose in their own names, these entities are the ones enabling the very processes that lead to people losing their homes. “This is not about protecting homeownership,” writes Beautiful People Magazine, “it’s about protecting profits and keeping Americans shackled to debt in the name of the ‘American Dream.’” The irony? People are enslaved to debt, a tactic that’s been around for ages. So, what’s really new here?
The Housing “Shortage” Myth
One of the most persistent lies we’ve been told is that there’s a housing shortage. Look closely, and you’ll see that new builds are happening all the time, yet they’re often not accurately reported. Why? Because up to 30-40% of these homes are being bought by investors, not families. The data we’re fed isn’t accurate—it’s skewed to hide the fact that housing inventory is manipulated to benefit a select few. “We are watching an engineered destruction of the housing market,” says Beautiful People Magazine. “The housing crisis isn’t an accident; it’s a carefully managed chaos where corporate greed takes precedence over human need.” This isn’t just bad reporting; it’s the deliberate destruction of a functional housing market. And this generation gets to watch it all unravel in real-time, like some dystopian nightmare come to life.
What happens when people can no longer pay their mortgages? We’re led to believe that foreclosure rates are under control, but that’s just another layer of the scam. I’m seeing delinquency all around—yet where’s the accountability? People have stopped contacting their services out of shame or, more often, apathy. Homeowners, once embarrassed to admit they were behind on payments, now seem to have grown numb to the crushing weight of debt.
The Hidden Crisis: Property Taxes and More
Every day, the problem worsens. Property taxes, insurance defaults, condo fees, HOA payments—it’s all getting out of control. And still, people ask, “Is Santa going to extend relief?” Right now, no one wants foreclosure because it would expose just how fragile the system has become. But here’s the kicker: during the pandemic, if you defaulted on your payments, you didn’t even have to call your service provider. They initiated the foreclosure process themselves. This is what people fail to see—the numbers and statistics don’t reflect reality. The housing market’s lifeblood is a series of smoke and mirrors, and the real story is hidden behind fake figures and governmental control.
Government Monopoly on Debt
Let’s not mince words: 85% of the housing market is owned by the government. You’re not buying a home—you’re buying into a system designed to enslave you to debt. The government, in league with banks, encourages you to take out second mortgages if you have the equity, betting that they can sell these loans on the secondary market. And now, that very system is under attack. The cycle of debt extends beyond mortgages to credit cards and loans, making it impossible for the average citizen to get ahead.
We’ve even reduced how much we rely on MLS (Multiple Listing Services), as more of us realize the entire housing market is a scam. But we’re too busy blaming each other as citizens to see where the real problem lies—above us, in the hands of those who control the system.
The “Shoehorn” Effect: Setting Up for Failure
The housing crisis isn’t just about money. Unsuitable buyers are being shoehorned into homes through subprime loans, down payment assistance, and the outright ignoring of their financial past. The result? A new generation of homeowners is primed to default. These aren’t just unlucky people; they’re part of a larger strategy designed to prop up a failing market. Banks and lenders are handing out mortgages like candy, knowing full well that many of these buyers will eventually be unable to keep up with the payments.
Dr. Angela Hurst, an expert in housing economics, offers a scathing critique: “This is predatory lending in its most subtle form. Lenders are deliberately targeting those who are ill-prepared to handle the financial responsibility, banking on their eventual default as a source of profit.” In essence, “The housing market isn’t built to help people anymore—it’s designed to exploit them.”
The situation is particularly dire in states like Florida and Ohio. Over the last 7-8 years, housing prices have skyrocketed beyond anything reasonable. Homes that were once bought for $130K are now selling for nearly $600K. These aren’t luxury estates; they’re tiny, poorly built boxes in mediocre neighborhoods. The inflated prices reflect a housing market driven more by speculation than actual value.
But even in this disaster, there’s enough blame to go around. The public, misled and uneducated, keeps getting caught up in this web of deceit. But can you really fault them when institutions—backed by the government—continue to manipulate data and lie about market conditions? The truth is, decades of eroding educational standards have created a public too distracted and ill-informed to see the trap that’s been set for them.
A Nation in Decline
In the end, what happens when a society continually perpetuates these cycles of debt and misinformation? We’re seeing it now. The American public is at a breaking point, facing financial hardship and an unraveling social fabric. The longer we ignore these systemic issues, the worse it will get. Time will tell whether we can come back from this, but the outlook is bleak.
Freddie Mac’s latest push for second loans is just one more way they’re encouraging Americans to sink deeper into debt. We’ve already drained our bank accounts, and now we’re being asked to mortgage our futures as well. This isn’t just a housing crisis—it’s an all-out assault on the financial well-being of everyday people. We need to stop blaming each other and start holding the real culprits accountable—the government, the banks, and the elites who profit from our debt.
In conclusion, the housing market is a house of cards, propped up by fake numbers and hidden agendas. The very institutions meant to help us are the ones facilitating our financial enslavement. It’s time to wake up and demand transparency, because the alternative is a future where debt, not freedom, is the defining feature of American life.
References:
- “The Housing Crisis: A Deeper Look.” Beautiful People Magazine
- Jones, L. (2024). “Subprime Loans and the Future of Homeownership.” Housing Today
- Hurst, A. (2023). “Predatory Lending and the American Debt Trap.” Economic Revie
