Mortgage rates are one of the first things buyers ask about, and for good reason. A small swing in rate can change your monthly payment faster than almost anything else in the homebuying process. Right now, consumer-facing daily trackers are showing 30-year fixed rates around 6.20 to 6.22%, while Freddie Mac’s latest weekly survey came in at 6.46%. That gap can feel confusing, but the takeaway is...