Mortgage rates just dipped to 6.3% — the lowest we’ve seen in months. But here’s the surprise: buyers still aren’t buying. According to Redfin, pending home sales are down 1.3% year-over-year, and homes are taking about 48 days to sell — a full week longer than last year. Why the slowdown? Many buyers are waiting for even lower rates or feeling uncertain about job security and the economy. On the flip side, some homeowners are taking advantage of the drop to refinance. Would you buy now at 6.3%,