Opinion: the beginning of the mortgage ice age

As we head into a mortgage slowdown, what are you doing to prepare? Treat this like the Ice Age and plan for long term.

Just like Earth, mortgage rates and housing markets are cyclic and we're heading into another Ice Age. Rates will not come down this year. There is no spring buying season. Investors and trust funds keep buying the bottom of the market from under the first-time home buyer. In the end, we will see some changes in business, marketing, compensation and structure. What are you doing to adapt? Do you store acorns to sustain yourself and your employees? Or are you too big and need massive volume to stay alive? Is your business source something or someone who is both? There will be fewer of us, but the ones that remain will be the best of us.

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