Interest rates follow inflation and monetary policy more than anything else. Based on years of watching rate cycles, my view is that rates will likely moderate as inflation eases, but not return to historic lows. Lenders and economists expect a “new normal” where rates remain higher than the ultra-l

When the real estate market slows, it’s often due to higher interest rates limiting affordability and fewer buyers being able to qualify for loans. In my experience, markets naturally cool after periods of rapid growth — sellers adjust expectations, and buyers take a pause to reassess budgets. Media

Affordability is relative and tied closely to wages, interest rates, and inventory. In my experience, while home prices rarely drop dramatically, affordability can improve through slower appreciation, increased housing supply, and lower borrowing costs. Creative solutions — like smaller floor plans,