Housing Market Refinancing Trends Market Trends Federal Reserve Market Expectations Refinancing Rates State Variations Factors Influencing Rates Impact on Buyers Federal Reserve Rate Hikes Impact on Construction 30-Year Fixed Loan Record Highs Historical Mortgage Rate Data Federal Reserve Policies 7% Mortgage Rate Borrowing Costs Long-Term Mortgage Rates Demand Inflation Impact Impact on Real Estate Market Interest-Only Mortgages Homebuyers Influencing Factors Loan Types Euribor Housing Affordability Rate Changes Bond Market Influence Affordability Crisis