This is one of the most common questions I get right now. And I am going to give you the same honest answer I give every buyer and Realtor who asks me. It depends. I know that is not the clean headline answer everyone is looking for. But after 30 years as a mortgage advisor in South Florida I would rather give you something useful than something simple that does not actually help you make a decision. So let me break down what I am actually seeing right now and what it means f