Mortgage rates are going down. That's not necessarily a good thing.

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• Mortgage rates are trending downward from recent peaks.
• They could fall further if the economy continues to slow and the Fed cuts rates.
• However, that might not make it much easier to buy a house, some experts say.

It's getting cheaper to borrow money to buy a house.

But would-be homebuyers shouldn't celebrate prematurely. Lower mortgage rates...