38 years ago, the first mortgage on my first house was 10.125%. To get that rate I had to go with a (now defunct) mortgage company. Regular banks were charging up to 10.5%.
Later, my best-ever 30-year fixed-rate mortgage was 7%. So, I am not unsympathetic to the plight of would-be home buyers today, but what went down had to come back up.


My only connection to Nvidia is the graphics card in my Dell tower PC that continues to chug along on Windows 10.