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Mortgage rates are spiking again despite Fed rate cuts, with long-term yields climbing above 5%. Home prices have barely dropped—Redfin predicts just a 1% decline this year—keeping housing unaffordable. The script argues that we need real housing deflation to restore affordability and rebuild the middle class. Realtors are urged to lead the charge by submitting lower offers and setting new comps to trigger a needed market correction.
