Hi, Matt Padgett with Keystone Mortgage. I’d like to talk to first-time home buyers for just a second. A lot of people are scared to get into this market because of all the things they’re hearing on the news – the high interest rates, the low inventory – they’re afraid prices may go down. I can tell you that now is a great time for first-time home buyers, and here’s why. There’s not as much competition in the market as there was. Interest rates are not going to stay high forever. When you get in a home now, you can refinance that to a lower rate later. Keep in mind, as interest rates fall, more buyers are going to come into the market, and you are going to have more competition on homes. For more details, give us a call (865)-909-0211.