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The mercury in your thermometer’s going up, and mortgage rates are also climbing, creating an uncomfortably hot and sticky situation for prospective homebuyers.

Currently, the benchmark 30-year fixed mortgage rate is treading close to 6 percent. That’s a steep increase from where rates were 12 months ago, when the average 30-year fixed-rate mortgage could be had for just over 3 percent.

If you’re sweating that jump, you’re not alone. Here are expert takes on what to expect for mortgage rates this month and later this year.