[AJ]

Rates should hit 5% again as the standard by early to mid 2014, then look for 6/7% to be a possibility by late 2015 depending on the economy as a whole.

The door is closing on being a buyers market as well. Across the U.S. home prices are up 12% from this time last year, and up around 20% in some key cities already. That sucks, but it's still cheaper than buying at the top of the market 6 or so years ago (like I fuck'n did).