2. Mortgage rates will rise. I was wrong on this one in 2014, but who wasn’t? I’m taking a chance on rational economics again. Go figure.
3. Home prices will cool off. They’re already cooling off because homes aren’t selling at these numbers. The double-digit gains of 2013 are long gone, and that’s good for the health of the overall market. Look for flat to small gains for the year and a few months in the negative.