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hey good morning everyone its Angelo Christian Financial thank you so much for watching our podcast real estate Insider where America goes for funding for the last 20 years thank you so much today its January 2023 were talking about mortgage interest rates Im so excited that theyre on the downtrend so you know 2022 is a very uh challenging year the last two quarters of uh 2022 interest rates skyrocketed a lot of investors a lot of first-time buyers werent able to get approved for the loan because the rates have gone from four to four percent all the way up to seven percent now were seeing a retracement interest rates are coming back down um and its kind of like what I have predicted and kind of what the FED has been talking about that you know inflation is becoming more uh mild and more tamed um and the right Heights will start to slow in and inevitably the rates will start to go down and so thats what our expectation is that well see interest rates you know 30-year fixing t