The new year is almost upon us. As I woke up this morning I couldn’t help but wonder where the year went.

There is a foundation being built beneath our feet that most of us are blind to, ignore, or have succumbed to a bit of apathy.

It’s been a tough couple of years for the mortgage and real estate industry as a whole. Inventory is down, rates are up, and affordability is a challenge.

But still, the foundation continues. Rates and inflation are dropping, the job market is strong, and builders are thriving. The forecast of a Fed rate cut looms large and may happen sooner than later. We have come around the corner, but the challenge is that the corner is bigger than we thought.