Mortgage volumes dropped another 5.2% week over week, even as the U.S. economy added 119,000 jobs in September. So why did the unemployment rate still rise from 4.3% to 4.4%? Mark and Jeff break down the conflicting signals in the labor market and what it means for housing. With the next jobs report delayed until mid-December due to the government restarting, uncertainty is only growing. The first UAD 3.6 appraisal report has officially been delivered and Bryan Reynolds offers a detailed walkthrough for appraisers and lenders (https://www.youtube.com/watch?v=AQWYdesv8Ps). Mark and Jeff also discuss reports that 18% of D.R. Horton's FHA loans are currently underwater, and what this may signal for builder incentives, pricing, and buyer risk. Finally, they revisit the growing age gap in the housing market: why the median homebuyer is now 40 and what that says about affordability, supply, and the future of homeownership.