It’s hard to keep up with the real estate market these days. One month, it seems housing prices are falling. The next month prices are creeping up. A lot of it has to do with interest rates that the fed has increased 10 straight times in a little over a year. Another factor is where you live. So, some lenders have come up with something called the 1 percent mortgage.   Today, we’re talking to Jeff Ostrowski. He’s with Bankrate.com for more than two decades and he’s a real estate expert. He says 1-percent mortgages are a clever way lenders are getting potential homebuyers into the market. But there are pros and cons you need to know about.