This month's update will include how the Tampa Bay real estate market performed in December 2018 but also some fun stats about the year as a whole, and my personal take on what the future of real estate has in store! December 2018 Review After seeing a spike in mortgage rates around October/November that lead many to believe the era of super low borrowing costs was over, mortgage rates ended the year at the same rate they were in September (before they started to climb dramatically). According to Freddie Mac, rates were at 4.55% for a 30 year conventional mortgage. However rates are still much higher than in December 2017 when they were at 3.94%. Even with rates dipping back down in December