The market tried to stretch its legs today, small rebound, while bonds are down there tapping on the 4.00% yield floor like,

“Hello? Is this thing load-bearing or can we break through?”

If that floor cracks, rates could take an important step lower. And not a baby step. A real one.

Meanwhile, the appreciation reports came in and basically said,
“Yep… still going up.”

Both S&P CoreLogic Case-Shiller Index and Federal Housing Finance Agency showed seasonally adjusted home prices rising 0.4%.

Translation:
Rates dipped → buyers woke up → demand showed up → prices said “thank you very much.”

And now… let’s address the elephant.

Rates are the only thing that will eventually pry the 3% crowd out of their homes. You Know the Group. the 3-percenters.

They speak of their rate the way grandparents talk about buying gas for $0.89.

Some are frozen by fear.
Others wear it like a badge of honor.

“Back in my day, we locked at 2.875%…”

But here’s the reality:
As rates ease, life events start outweighing nostalgia.

Jobs change. Families grow. Downsizing happens. Opportunities knock.

And when that 4.00% yield floor finally gives way, the conversation shifts from: I’m never moving, to Okay…run the numbers.

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