Foreclosure moratoriums have had little impact on the market locally. Nationally as well. The vast majority of mortgage forebearances have been resolved. Most owners are back to work, have refinanced into the lower rates rolling their missed payments into a new loan with a much lower monthly payment or are current having paid back the missed payments or in a plan to do so. The government program proved to be very successful in getting folks through the total lockdown of the country last Spring. Nothing to see here on home values.