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slash G-O. Art meets tariffs. I'm David Brancaccio in Los Angeles. First, there's been a slight

adjustment down in the cost of home loans, 30-year fixed-rate mortgages.

Not much, from 6.8 percent a month ago to about 6.6%.

Something to write home about. Don't think so. Here's Marketplace's Justin Ho.

Mortgage rates have come down, but not that much.

You know, that's not a game changer for the majority of people in the housing market.

Mark Fleming is chief economist with First America. He says the vast majority of homeowners

are sitting on mortgages with rates well below where they are right now. And that means that

most of them will still experience the lock-in effect or the financial penalty if they were to move.

Fleming says anyone who does buy a home is going to do so because of a life event,

like landing a new job.

But job creation has been slowing down over the last few months.

Charlie Doherty, senior economist with Wells Fargo.

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