What is the definition of Are Mortgage Rates Going Up Or Down?

Are mortgage rates going up or down? It's like asking if the sky is going to rain tomorrow. You'd think it would be either one way or the other, but mortgage rates are a bit like financial weather - unpredictable and often more dramatic.

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Edgy example: "I heard the mortgage rates are going UP like a rollercoaster on a rainy day, and I'm about to close on my dream home!"