An 'open house' flag is displayed outside a single family home on September 22, 2022 in Los Angeles, California. The U.S. housing market is seeing a slow down in home sales due to the Federal Reserve raising mortgage interest rates to help fight inflation.

An 'open house' flag is displayed outside a single family home on September 22, 2022 in Los Angeles, California. The U.S. housing market is seeing a slow down in home sales due to the Federal Reserve raising mortgage interest rates to help fight inflation. / Getty Images

Mortgage rates are higher than they've been in over a decade these last few months. They're also changing, fluctuating up and down in response to the nation's economic outlook and, recently, some of the largest bank closures in national history. All of this has made it an especially challenging time to navigate the housing market.

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