The Federal Reserve announced the decision after a meeting of its board of governors
Market observers are nearly certain the Fed will hike rates this week, and again in December
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The head of the nation's largest mortgage lender says that while mortgage demand is rising, there are too many stumbling blocks for a true housing boom this year.
Despite record profits, Fannie Mae and Freddie Mac would still need billions of dollars from the Treasury in the event of another housing meltdown
Refis were up in the first quarter, the result of lower mortgage rates
Mortgage applications dropped last week, while refis hit their lowest level since September
The Fed's soft outlook on rate hikes means business as usual for mortgage rates -- but bond traders still expect rates to rise this year