I dont know FSD, I think it would be pretty hard to get a larger bump then was created by the 4.5% rates. IMO any crazyness to close will be ofset by the people who dropout cause they cant get unbelieveably good rates. Inventory sucks and prices are still falling; why buy a house you dont really like for an ok price just so you can get an ok interest rate? But maybe that is what you ment, increasing rate pressures will be met with increased desire to close NOW.

SD_R, I think youll be right if they hit 6% or so. Alot of people will step aside, theyll wait for the next waste of taxpayer money, or increased inflation, to buy down their morgages.

But what are you seeing? Do any of your clients seem to care?