For the last few years, buyers in Simcoe County have been told to move fast or lose out. That is not the market we are in this fall. There is more inventory than we have seen in years, homes are sitting longer, and sellers are negotiating. I have had three clients this month ask me some version of the same question: if it is a buyer's market, why does buying still feel hard? It is a fair question, and the answer has less to do with the market and more to do with how financing