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You heard “the market never goes down.” Now prices are falling. Beliefs are breaking. For the first time in over two years, home prices are dropping. Inventory is up. Rates remain high. Affordability has collapsed. Some people freeze. Others build a plan. Why does this shift matter? Data shows buyers face the worst affordability in a generation. Sellers can no longer count on bidding wars. Agents and loan officers must adapt. Winning now means action, not waiting. Here’s what you can do: Analyze your local inventory week by week. Run affordability checks on every deal. Stop assuming prices rebound fast; adjust your offers. Use creative financing: explore HELOCs, seller credits, rate buydowns. Collaborate with buyers and sellers to solve for monthly payment, not sticker price. When fear takes hold, the planners win. Ask yourself: Are you reacting, or are you preparing for every outcome?