Despite cautious optimism that mortgage interest rates would drop in May, many borrowers saw the opposite occur. An April inflation report showing the rate surging to its highest level in three years didn't help. Combined with concerns about overseas conflicts, a rising oil price and a late-April Federal Reserve meeting that hinted at higher rates for longer, homebuyers and owners looking to refinance had few affordable options to choose from. But with the start of a new month just days away

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