It appears 2018 will go down in the books as the year the housing market turned downward. But how far and for how long? NerdWallet sees light at the beginning of the new year.

It’s going to be a challenging year for home buyers in 2019: They will continue to compete for a short supply of homes. Home prices and mortgage rates are likely to keep moving upward, bruising affordability.

But 2019 is likely to bring some welcome developments, too, for buyers and mortgage borrowers. Builders are constructing more entry-level homes, lenders are gradually making it easier to qualify for a loan, and first-time home buyers are getting the attention they deserve.

Here are nine housing and mortgage trends to watch for in 2019.

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