As we begin to transition from that wonderful Fall feeling into the Christmas spirit, we wanted to offer an update on how the housing market is faring. The first and second quarters of this year saw a significant decline, but in the third quarter, the dynamic shifted and arguably began to lead an economic recovery. We’re here to help make sense of what’s happening with the economy and how it can affect your buying and selling decisions. Sadly, headlines today are doing much more to terrify than to clarify what is actually going on, but we’re here to add clarification!   Over this past summer, the average FICO score in the country rose. This is not just referring to those who are…