The housing market isn’t crashing—and it’s not going to. Something more gradual, and for many, painful, will be drawn out over the next five years, as a “slow motion reset” takes place on a scale many of us have never experienced.

You can already see it around you. Houses are sitting on the market longer, even as mortgage rates fall. People want to buy a home, but who can take the risk in this job market? Pending sales are down, but more Americans are trying to get a mortgage. This is a stalemate that will last until 2030, but what does that mean for the average American?

Some markets will fare better than others. Some are already seeing delinquencies and foreclosure rates rise, leaving sellers in a bind. A “silent killer” is coming after these homeowners, and “soft” pricing could be on the table for years to come.

Which markets are the most (and least) at risk? Will the housing market crash? Where will Americans move to when job prospects dwindle, and what’s the one big outlier that could change everything?

The reset has already begun. Are you prepared for what’s coming?

Insights from today’s episode:

Why the housing market won’t “crash” like most people think it will
What happens to home prices and mortgage rates over the next five years
The “silent killers” that are putting homeowners in a tough spot
Why home sales are still dropping even as mortgage rates fall further
Markets with the most risk as baby boomers pass away and sell or transfer their homes