FED is expected lower rates in 2024.  Most of the housing demand of 2023 was unfulfilled due to historically low inventory and a rapid rise in interest rates. Nationally, the experts predict home appreciation in 2024 slightly higher (CoreLogic 2.5% increase, FannieMae 3.25% increase, Goldman Sachs 5% increase, Moody's 0.4% decline, Morgan Stanley 3% decline, Mortgage Banker's 4.1% increase, NAR 1.4%, Redfin 0%, Wells Fargo 2.5% increase).

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