text:  The builders, of course, have been buying down mortgage rates, but they're talking more about concessions. We've seen that in the builders earnings reports and then supply. We went to a nine point three month supply from a nine point one month supply. So supply is building. Basically, the builders have said that, you know, people are interested, but not signing on the dotted line. And what we're seeing is that the housing market is really stalling this summer.