Tyranny is yielding to the lust of the governing.

If sales prices come down a little bit, it will open the doors for more buyers to come into the housing market.

What I do for people is I look at the weighted average of what their mortgage rate is.

I think people who were trying to get into investment properties and trying to flip them won't see those financial advantages with the short-term rates being higher than the long-term rates.

Monday morning is usually my busiest time. I've had only a half dozen applications today.

We also see consumer confidence down a little bit. Houses are on the market a little longer. We're not seeing a softness in prices just yet. That could be the first sign that we do see where the housing market could be cooling down.