Mortgage interest rates have climbed steadily since the first of the year. According to BankRate, the Fixed National Average for a 30-year loan has increased from 3.85 percent on January 1st, to 4.35 percent on February 21st, half a percentage point increase. Rates were last above 5 percent in 2011. To better understand these changes, we sat down with Joshua Jablonski of Wells Fargo Home Mortgage to gain his insight on what homebuyers and sellers can anticipate in the coming year. Josh has been lending to buyers in the DMV for the past 16 years.