A four-month decline in mortgage yields may be over

February 17, rates are back up to 6.80 percent. 


It is not likely many captured the bottom, but there was ample time to refinance around 3.0 percent. 

Mish 20 February 2023

https://mishtalk.com/economics/how-the-fed-messes-with-peoples-lives-from-a-mortgage-rate-perspective

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