Home buyers still waiting for Fed's plans to translate into mortgage relief

For years, wannabe buyers have waited for the Federal Reserve to lower interest rates after the central bank pushed them to the highest level in decades. Instead, the 30- year fixed-rate mortgage has ticked up for the last five weeks, clocking in at 6.72 percent at the end of October, according to the mortgage finance company Freddie Mac. "We're waiting for the shoe…