As mortgage rates rise, the housing market in San Francisco has come "to a screeching halt," says Cynthia Cummins.
As home sales decline, the field is becoming more competitive.
"You're working twice as hard for the same amount of money," says Mindy Palmer of helping buyers in a tight market.
It's a supply problem.
With fewer homes to sell, realtors say they need to look for new ways to find business