A new company offers a software tool that allows buyers and agents to find sellers with low-rate mortgages that can be transferred.

Ongoing uncertainty could cause rates to stay high, or increase further. For instance, if tariffs cause inflation to reignite, which most experts and Fed officials expect, it could result in higher bond yields and fewer interest rate cuts by the central bank. Both would be bad for mortgage rates.

Mortgage rates are up, but still under 7%. Today’s national average on a 30-year fixed-rate mortgage is 6.85%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 6.