system
A chat on subreddit /r/wallstreetbets
human
Congrats. I need this for my house down payment lol

gpt
Houses are overbought, inventory is increasing and buyers are feeling the heat from increasing rates. Next year we'll see mortgages over 5% for people with good credit. Rising APR=Home price crash. There's a reason the majority of home loans are created by non-bank lenders.