articles mortgage-demand-picks-up-again-mba 
Housing Wire
DECEMBER 8, 2021
My biggest concern for housing in the years 2020-2024 was that if the demographic push in demand picks up and total home sales get over 6. Inventory fades in the fall and winter and picks up in summer and spring. Not even 5% mortgage rates in 2018 budged this data line too much.
Housing Wire
DECEMBER 20, 2021
Even in the extreme conditions of COVID-19, my general premise on housing economics predicted that the two variables with the most influence — demographics and mortgage rates — would hold up the housing market. The 10-year yield and mortgage rates. That range dictated that mortgage rates would roughly stay between 3.5%-4.75%.
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