LOS ANGELES (AP) — Hoping that mortgage rates will keep dropping following the Federal Reserve's first rate cut since last year? Don't bank on it. As expected, the central bank delivered a quarter-point cut Wednesday and projected it would lower its benchmark rate twice more this year, reflecting growing concern over the U.S. job market. Here's a look at factors that determine mortgage rates and what the Fed's latest move means for the housing market: How rate cuts affect mortgage rates Mortgage rates ...