Hi Everyone, 

A famous quote has said when the tide goes out, you can see who is skinny dipping. Currently, many people who have purchased at higher mortgage rates or in the past year or so are starting to question their purchase. 

While there was a lot of mania in the markets from a valuation perspective, that tide has started to turn in the opposite direction. People that have purchased maybe didn't do so for the right reasons, or did it because it was what they thought was the right thing to do at the time. 

We are seeing people having to come into the office and commute, bidding wars have started to kick off and many homes over the past few years have carried a large monetary premium which exaggerates the intrinsic value of the respective home. 

What do all of you think? 

Best Regards,

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