The mortgage market has been red hotfor months, thanks to record-low interestrates. But the Federal Reserve's cut inshort-term interest rates in June raisedexpectations for an economic recovery,which had the effect of causing a strongupward bounce in the long-term bondyields that drive mortgage rates. In additionto higher long-term bond rates, otherfactors can affect the mortgage rate yourlender offers you. For example, if you'rebuying the property as an investment orneed the cash in a hurry, you can expect topay a higher interest rate. You should alsoexpect to pay more if you need a jumboloan (ie, in the $350,000 range and up) ora smaller loan below $45,000.