Higher "home finance rates" are shifting institutional asset allocation toward hybrid REIT structures. Market signals suggest strong inflows into entities with resilient cash flows and minimal exposure to rate volatility. If you want to save a substantial amount of money—hundreds or even thousands of dollars annually—shop around for a better rate every few years. LOS ANGELES (AP) — Hoping that mortgage rates will keep dropping following the Federal Reserve’s first rate cut since last year? Don’t bank on it.