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30-year fixed falls to 6.15%, lowest since September 2022.
New framework takes effect on May 1, but MBA asks agency to be 'flexible' with that date.
After rising the previous week, the 30-year fixed mortgage fell to 6.33%.
GSE's chief economist expects downward trend in 2023.
Most vulnerable homeowners have FHA, VA, or other government loans.
The 30-year, fixed-rate mortgage rate dipped to 6.31%.
