 when you go to buy it. Because home prices are going up 5% right now on a regular basis. That's a huge increase in value. That's what hasn't slowed, even though the market has slowed. So you think you're saving money, but you're paying more for the product. You'd be better off to buy it now, suck up the payment. You're going to pay a little higher payment. I get it. Just wipe your tears off. Let's get down to business, buy the home. Then when you refinance, you got to remember,