Give me a single instance of people rushing to buy homes as soon as rates dropped. They only drop rates when they know mass layoffs are on the way. That’s why when rates drop, home prices collapse substantially harder. And you’re in the place where I went to school. I bought two homes this year at very decent prices but my market is nothing like Dallas. Given the fact that you’re a mortgage banker, I’m unsure if you’re actually this dumb (because most of them are genuinely that clueless) or if you’re just trying to FOMO people into buying out of a conflict of interest. The job market is already imploding especially among white collar workers with above a 12% unemployment rate among bachelor degree holders in their 20s. If I were in Frisco or Plano, I’d definitely wait in this market.