lf you're considering buying a home or exploring refinancing options, you've probably noticed that mortgage rates seem to have a mind of their own — sometimes moving up when you'd expect them to fall. At its June meeting, the Federal Reserve voted to hold the nation's benchmark interest rate at 4.25% to 4.5% for a fourth meeting in a row, maintaining a wait-and-see stance amid mixed economic signals. But here's what catches many aspiring homebuyers or those looking to borrow money off guard:...