The Pandemic Housing Boom saw U.S. home prices spike an unprecedented 43% in just over two years. But that’s over now: Spiked mortgage rates have pushed the U.S. housing market into a sharp slowdown that could threaten some of those gains. Some firms—including John Burns Real Estate Consulting, Zonda, and Zelman & Associates—are already predicting that U.S. home prices in 2023 will post their first year-over-year decline of the post–Great Financial Crisis era. In a sharp housing downturn scenario, Fitch Ratings thinks a 10% to 15% national home price decline is possible. Not everyone agrees. Goldman Sachs and Zillow predict that U.S. home prices will rise another 1.8% and 2.4%,…