Dated analysis: 2021 market and mortgage conditions. This archive is not current buying or financing advice.
What the 2021 perspective can still teach
The article records a period shaped by low rates, pandemic-era demand, constrained supply and the information available then. Subsequent policy, rate and market changes mean its figures cannot be carried forward.
- Keep every price, rate and volume statement tied to its 2021 date.
- Use official benchmark-rate history for the historical financing context.
- Separate national trends from segment and project outcomes.
- Compare the old thesis with current transactions and supply.
- Do not use a historical cycle call as a present recommendation.