So I say expect the answer being Fed funding. 

By the way my last local purchase was dec 2021 which was before rates started increasing (just a few months before, i had good timing - when the fed states they are going to be raising rates, it is a good idea to believe rates may go up).  

The grass may look greener on the other side , but is it really ?

Also, the rate the fed is always adjusting isn't the mortgage rate only something that influences it.

I often make the mistake of thinking the grass looks greener on the other side of the fence when going through the forums.

If the transaction has "hair", the feds care and financial crimes can be prosecuted for up to 10 years after the transaction. 

Just mowed the grass.  10 acre subdivision lot bought for $10,000 sold for $50,000.  

Common misconception that the fed funds controls mortgage rates but that is not how it works. 

Valdosta, like most markets, has seen an uptick in inventory since the beginning of the rate hiking cycle from the FED.

State and feds?