Mortgage rates, for the most part, have been falling since the start of the year . That's not necessarily enough to help first-time homebuyers enter the market, though, since housing prices are still considerably higher than they were a few years ago. But if you already own a home, things are different. In that case, falling mortgage rates could open the door to refinancing. And that holds true whether you're retired or still working. Will AI create the world's first trillionaire? Our team just released a ...