It is a good bet. While we all may have been logically correct and poorer for it, time enhances the chances. The really big money is made getting in on the trend early, And Staying With It, not trading 'poop for pennies'. "Buy real estate as far as I know they are not making any more of it" Wil Rogers(I believe) The mortgage market will be around as long as there is a real estate market. 5 years from now this will all be history. Only question is will it be fond or bitter. GLTY.