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For me, yesterday involved a trip from Connecticut to Northern California, with talk of a lack of inventory, relatively high mortgage rates, and loan level price adjustments still echoing in my head from the CMBA conference. There isn’t much one can do about rates or homes for sale, but one can always let the FHFA know what you think about pricing. Meanwhile, lenders are doing what they can to help borrowers. Credit unions, for example, are being creative. Last year, per Zillow, about 45 percent of mortgage borrowers around the nation used points to buy down the mortgage rate. LOs are watching demographic trends. America was once extremely mobile, with people often moving between states for work. From 1986 to 1997, 29 percent of job seekers relocated for a new position, a figure that fell to 17.8 percent over the period from 1998 to 2007 and seemed to crater out during the pandemic at just 4.1 percent in 2021. In the first quarter of 2023 just 1.6 percent of people relocated to

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