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what is up everybody Steve here I came across an article kind of disturbing its from CNBC basically uh let me show it to you guys here and Ill link it as always mortgage refinance demands are six percent as rates drop to the lowest level since September now rates got just over seven percent like seven and a quarter now theyre at like six and a quarter and thats not necessarily a great rate considering you know where rates were um but for them to you know for for refis to increase right now because it went down basically a point is pretty telling as to where I think things are going right now unfortunately heres what I predict heres what I see is going to happen based on history based on my own experience in the last real estate crash but basically what people are doing theyre desperate theyre desperate right now they have a certain amount of equity in in their properties I bet you some of these I bet you a lot of these people had really good rates really good locked in 30-yea