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Many householders who’d in any other case be desperate to promote have hesitated to shake off the so-called golden handcuffs of mortgage rates as little as 2% or 3%. A groundbreaking $418 million settlement announced Friday by the highly effective National Association of Realtors is set to usher in the most sweeping reforms the American real estate market has seen in a century. It could dramatically drive down homebuyers’ prices — and push some real estate brokers out of business. A rule of thumb for mortgage rates is that customers are extra sensitive to changes in rates than to absolutely …