bestselling personal finance author and radio host Dave Ramsey has warned against complacency in the real estate, housing market, and personal finance. Freddie Mac's Primary Mortgage Market Survey (PMMS) found that the weekly 30-year fixed-rate mortgage (FRM) averaged 6.38%. Despite this, Freddie Mac chief economist Sam Khater noted gradual improvements in the housing market compared to a year ago, and rates remained lower than last year's average of 6.65%. The next day, rates hovered near 6.7% before settling at 6.64%. As mortgage rates rise, homebuying and selling become difficult, leading to a drop in sales. Ramsey argues that working with a real estate agent can save time, money and stress, and that real estate agents are worth the money.