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The question now is whether the market can stay hot as rates creep up.“The reasons why people are trying to buy homes right now go beyond mortgage rates,” said Danielle Hale, the chief economist at Realtor.com. That’s up from the record low of 2.65%, reached in early January.Even small changes in interest rates can have a big impact for buyers. She cleaned up her credit over the past year so she could qualify for a mortgage and buy a home. “I’m not going to overbid on these homes, where I come upside-down on a loan. Still, buyers are going to have to get used to paying more for mortgages going forward.“It sure looks like the days of all-time low rates are behind us,” Speakman said.