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https://mwloan.com - Why Homeowners---Not Home Buyers Feels Trapped By Low Interest Rates - MortgageWorks Discover why stable mortgage rates, a potential shift at the Fed, and strategic seller incentives matter for your home purchase! In this week’s MortgageMinute, Art Alvarez recaps his recent trip to the California Association of Realtors meeting and breaks down the latest bond‑market moves. You’ll learn how the 10‑year yield’s retreat is keeping mortgages in the low‑5% range and why January’s jobs data isn’t derailing housing optimism. Art also explains why the National Association of Home Builders reports that 65 % of builders are using sales incentives and 40 % are cutting prices—and why you should ask sellers for rate‑buydown credits rather than price drops. Plus, a look at President Trump’s Fed chair nominee and how a more dovish policy could nudge rates even lower. We close with an update on California’s Dream for All down‑payment program, which opens Feb. 24 and offers up to 20 % (capped at $150 k) toward a first‑time buyer’s down payment. 👉 Like, comment and subscribe for more weekly insights! Need personal advice? Call Art at 760‑969‑5023 to discuss your situation.