You will see a moderation in some markets.

If your buyer is limited in terms of what they can buy, will prices continue to increase at the pace of the last few years? Not really. You will see a moderation in some markets.

As fixed rates rise, ARMs will become a bigger factor.

As fixed rates rise, ARMs will become a bigger factor. The rate of increase in home values will slow or will start to stagnate.

I was able to aggressively quote it because I had the availability of that product.