Mortgage rates recently fell below 6% for the first time in years. - Nathan Howard/Bloomberg News Will big banks be offering more mortgages to struggling first-time home buyers? Don’t bet the house on it yet. Things are looking a little less grim for Americans straining to afford a home, with mortgage rates falling below 6% for the first time in years. At the same time, the top banking regulator at the Federal Reserve, the Trump appointee Michelle Bowman, recently said the central bank is considering whe ...