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Agroundbreaking $418 million settlementannounced Friday by the powerful National Association of Realtors is about to usher in the most sweeping reforms the American real estate market has seen in a century. It may dramatically drive down homebuyers’ costs — and push some real estate brokers out of business. This means there will be a continued lock-in effect, which means there’s a spot between present rates and the rates owners already have on their outstanding mortgages. About two-thirds of excellent house loans have a fee under 4%, Realtor.com data reveals.