@dan1 Carnage would not be the word! Where we are now at 4% is a normal, average interest rate. It is not a high interest rate it is where it should be.
The problem is we are in the mother of all housing bubbles that all and sunder refuse to admit exists. 4% now is far more unaffordable than 10% or even 20% was back in the day.
Worse part is there is absolute zero interest from either major political party to consider it a "problem", now or in the future where it just gets worse.
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