A few different factors could help push home prices up, down or keep them stable next year. Kmatta/Getty Images

Homebuyers finally got some good news late this year when mortgage rates dropped considerably following the Federal Reserve's back-to-back rate cuts in September and October. With the Fed easing its stance on rates, the average 30-year fixed mortgage rate fell into the low-6% range , a notable improvement from the 7%-plus rates homebuyers faced earlier this year.

These lower borrowing costs are helping to reignite interest in the housing market , but the big question now is what happens next. Will improved affordability bring more buyers into the market and push home values higher? Could rising inventory finally give buyers the upper hand? Or will economic unc

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