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In September 2022, Angel Peralta Ordonez crossed the Mexican border into Texas, then made the rest of his voyage to New York City in a stranger’s car. It wouldn’t take long until the Ecuadorian joined a longstanding American tradition: He filed a personal-injury lawsuit, according to legal documents filed in the case.

Mortgage rates are likely to remain mostly unchanged in the first half of September. After that, the direction of mortgage rates depends on what the Federal Reserve does at its two-day meeting ending Sept. 17.If the Fed cuts short-term interest rates at the meeting, then mortgage rates should stay about the same or drop a...