by saying that they are indicating iormeaning some norml be arountesome delays might getd into next yearat could lead to mortgage s ining mewhat. not 3% or 4%, but maybe trending down as a possibility. americans needwhether 7%, markee rates were 16%. they said it was one of the best decisions ever and that they could always refinance down with interest rates declining apprecn that they could use when they tried to sell the home as a down payment on the next trade purchase. host: the appreciation percentage rate right now? guest: 5% compared to one year ago. we sawase in 2020, 2 thousand 21, 20%, 25% in some markets. then there was another 10% increase. now it's 5% to 6%. but it is still a gain from the host:il consumerases in the■k see 20% appreciation rates ever again? guest: it' going to be a tough go. any people are tapped out periods first-time buyers cannot enter the market unless mortgage rate declines. once the homebuilders will takeantage of the low-cost borrowing to build more homes so the you will get more supply. effect, think that once the interest rate differential begins to