Hi, Real estate rate predictions have been quite accurate in the last few weeks as I have correctly picked the bounce off of 4.78% and then two weeks later the reversal back to 4.82%. I think we have seen an intermediate top in rates a few weeks ago when the Freddie Mac weekly survey reported that rates were at 4.86%. I am sure many analysts and chart technicians feel that 5% will serve as a ceiling; I just do not see that happening. sandiego relaestate