[DrVenture]

Refinancing is very helpful to the average consumer, it lowers their housing costs. Lower rates may well spur home sales, too early to tell. It is not the only factor that will come into play. Rates are still projected to go lower. Lower rates typically help with home sales.

I don't care. I can invest in real estate, or not. I can invest in mortgages, or not. I can invest in growth, or not. I can get defensive, or not. I will take what the market gives me and do my best to act upon it.

Arguing theory, or second-guessing what decision makers do is a losing game. Act on what you believe and compare your results in 6 mos or a year to a benchmark. See how your viewpoint works for you against an objective measure. That is what I do.

The only way this thread has any value is if it produces helpful strategies and ideas. So, what are everyone's ideas on how to play this market?