With the 10-year yield near 4.51%, mortgage rates remain near yearly highs as Fed officials cite inflation risks despite lower oil.

Nearly two-thirds of retirement plans now automatically enroll new participants at contribution rates of at least 4%.

The 10-year yield is 4.43% and mortgage rates are 6.58%, with Fed week and inflation veri setting the next move.

Rates for 30-year conforming mortgages stayed above 6.7% this week, but housing market activity has been resilient as weekly pending sales and purchase loan demand are up slightly compared to this time last year.

Mortgage lenders are getting creative to combat the housing affordability crisis fueled by rising interest rates, rolling out novel products and blending existing options to keep borrowers in the market.

For agents, the questions are straightforward. Will borrowing costs finally ease? Will potential buyers regain needed homeownership footing?