Hi. I’m a real estate agent in cache valley (Logan Utah) I started in 2007! So yes I lived through the “crash” the short sales and bank owned. The foreclosures etc. BUT if you were a first time homebuyer it was a great time to buy. !! Now the market has come to the other extreme. I have four kids. I helped my oldest Tyler barely afford his first home in 2015. I helped my second child shaylee buy her first home in 2021. My third child Bethany is ready to buy. She has been married to a few years now. Both her and her husband have good jobs. They just had their first baby. They have almost no debt. They have a 5% down payment and still only qualify for $360,000. Which in our market will not buy you anything. Because thy have me for a mom. I refuse to let them give up. We will continue to work on getting raises at work. Finding grants if possible. But money in savings etc. we will make it. I worry about all those that don’t have me as a mom pushing them. Most of the kids out there have just given up.