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A for sale sign is displayed outside a home in Mount Lebanon, Pa., on Tuesday, Sept. 21, 2021. Average long-term U.S. mortgage rates continued to rise this past week, Thursday, Jan. 20, 2022. The rate on the benchmark 30-year loan breached 3.5%. (AP Photo/Gene J. Puskar)

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This is a home sold in Mount Lebanon, Pa., on Tuesday, Sept. 21, 2021. Sales of previously occupied homes fell in December for the first time in four months as mortgage rates ticked higher and would-be buyers struggled to find properties with the number of properties on the market at record-lows. (AP Photo/Gene J. Puskar)