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 Here’s what lower home values would really mean for homeowners — and who should (and shouldn’t) be worried. Smit / Shutterstock.com

The housing market has been kind to homeowners these last few years. The average home value has jumped 43% since late 2019, and sellers have raked in eye-popping profits because of it. But that was then. As we head in 2023, the market looks very different. With mortgage rates more than double their year-ago level, buyers are pulling back. Home sales have slowed 6% compared to last year…

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