I personally am staying away from banks, lenders, builders basically anything in housing. We are in another MASSIVE bubble. I have clients offering 50k over a 350k listing price and not getting houses. I saw this in 2007-8 before the crash. Bidens anti US policies, increased reliance on government programs, insane "stimulus" packages and a fauxdemic are going to hit the economy soon. Wait until until tax cuts are gone.