 Part of the problem is very low inventory of homes for sale because of what's called the lock-in effect. Homeowners with a 3% mortgage don't want to put their house on the market, then swallow a mortgage rate that's twice as high on their next house. Yoon says this is starting to change. Life moves on. There's divorces, marriages. People have additional child in the family. Maybe people are looking for different school district. People want to change residence.