We tend to be our own harshest critics. Many things in life are achievable; it’s just a matter of figuring out how.

I often speak with first-time homebuyers and I can sense their trepidation. Perhaps they are the first in their family to buy a home, or maybe they feel they’re the last. In any case, it can be overwhelming.

Interest rates are what they are. The trend in inflation is moving in the right direction, unemployment is below 4%, and there is a wide array of sellers ready to make deals.

The NAHB Housing Market Index (builder confidence) has risen 3 points to 51, its highest level in 8 months. Sales confidence, future expectations, and buyer traffic are all on the rise, indicating an expansion mode.

The housing market and inventory will turn the corner; it’s not an impossible dream. Rates will stabilize.

Two interesting graphs I ran across this weekend. Oil and Gas prices are a big component of inflation.