The housing market has been on a wild ride for the past few years. Mortgage rates went from an all-time record low of 2.65% in January 2021 before surging to [7.79%](https://www.realtor.com/news/trends/mortgage-rates-just-rose-again-and-were-not-over-the-hump-yet/) in October 2023. And not to be outdone, the median home list price hit a record high of [$445,000](https://www.realtor.com/research/june-2023-data/) in June 2023. As lower
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