we can expect the same this year if weather conditions continue to keep people inside or traveling south. Demand for housing continues and there is good reason to think the end of February and beginning of March will kick off the early spring market. Mortgage rates will stabilize in the 5% range, with lenders creating specialized programs for short-term payment relief. The economy in the Sioux Empire will be good, while the nation will falter to some degree this spring. Home prices will remain solid after reflecting a slight downturn this past fall. All in all, real estate ownership is still part of the American Dream.