Average rates on 30-year fixed mortgages are below 4.5 percent. Desperate sellers are everywhere, yet home sales are on the decline. Where do you stand?

It's a buyer's market, and I'm on the hunt. [15 votes] (16%)
I'd like to buy but I'm worried about selling my current home. [31 votes] (34%)
I'm waiting for mortgage rates and/or home prices to fall even lower. [10 votes] (11%)
This is the perfect time to refinance and forget about the market. [36 votes] (39%)
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