Home prices have been 🚀 for years. The problem is not mortgage rates, it's inventory (not enough). Cur rates and home sellers raise prices, and monthly payments remain unchanged. The affordability problem remains. Greedy boomer homeowners get richer. How to fix affordability? Reduce zoning and building regulations to increase inventory. The problem is that selfish boomer homeowners wield these laws to restrict supply and drive up the price of their homes.(Jim Bianco)