Greg, you have no doubt seen Tony Dwyer come on the "confederacy of dunces" and talk about how market crashes don't typically happen until 8 months or so after the yield curve inversion. I guess I tend to agree with that history but it is going to be super risky trying to time the repricing.

Home prices seem really high right now, even in mid sized cities like Richmond, VA where I went to an open house yesterday priced at 1.2m. It was about 2,000sq feet on a 1/5 acre lot with 3 beds and 2 baths.

Additionally, I am selling loans that are 1% down payment with the lender giving the borrower a 2% grant to arrive at a 3% down payment. This is a conventional loan written to Fannie and Freddie guides. I also pre-qualified a guy yesterday for a mortgage who just had his ch.7 bankruptcy dismissed in July of 2017. I would be interested to hear your thoughts on that.