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Was 164,300 that really only takes your mortgage from 853, so the sky is not falling. the big question is, how far are rates going to go up. >> kelly: exactly. and mike, as you know, a lot of people are looking at that saying, well, look, if theyre inching upwards now whats going to happen when i go out there to buy and furthermore whats happening to the seller. your best advice to the seller, the buyer and perhaps the person on the brink of foreclosure and the person upside down in their home? ...