The downturn will eventually spread across the nation, and to a somewhat lesser degree affect those areas that had lower price appreciation.My timing prediction: the oncoming slow-motion housing crash will become very evident within 6 to 9 months after the first Fed rate cut. 

So the bank is not getting their money any way you cut it.My question is how do I get the ball rolling on this?

They don't: find property, process the assumption, transfer a loan, guarantee anything.They do take a $5500 nonrefundable fee and 1% buyer side commission so as an agent I can't see how you would try them out as you will need to cut your pay.

All this equity sitting seems wasteful and looking for suggestions.

That can cut into your net gain quite a bit. 

the "regulars" who have their turf battles (or hmmm, ya think anyone might ever cut any backroom deals on who goes after what?

Still better than renting and wasting 4-5k per month on a place that isn't even as nice or big as the home I was able to secure.

Quote from @Chris Seveney: @Jaquon MillerDepends on your long term goals but based on what you wrote, I would strongly consider refinancing Thinking about it but hoping that rates don’t get cut soon after.

What'd you freaks think of what Federal Reserve Chair Jerome Powell said about a potential rate cut in September?

I love that I do not have to print out my faxes and waste paper!