Something interesting could happen with mortgages in the coming years. Many homebuyers took advantage of temporary rate buydowns that will eventually expire, bumping up their monthly payments. Homeowners unprepared for these higher costs might choose to sell—only to find they need to offer another buydown just to attract a buyer. It creates a continuous game of "buydown hopscotch" just to stay in the homeownership game. https://money.usnews.com/loans/mortgages/articles/sellers-outnumber-buyers-by-58-how-homebuyers-can-use-high-supply-to-offset-todays-mortgage-rates