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FILE - A "sold" sign is posted on a home in Westfield, Ind., Friday, Sept. 25, 2020. On Thursday, Nov. 5, U.S. long-term mortgage rates were flat to lower this week, as the key 30-year rate fell to a new all-time low for the 12th time this year. (AP Photo/Michael Conroy)

FILE - A "sold" sign is posted on a home in Westfield, Ind., Friday, Sept. 25, 2020. On Thursday, Nov. 5, U.S. long-term mortgage rates were flat to lower this week, as the key 30-year rate fell to a new all-time low for the 12th time this year. (AP Photo/Michael Conroy)

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