How soon can the stimulus bill come into effect to lower the mortgage rates?

Ive read that the stimulus bill will help the mortgage loans by offering higher tax rebates and lowering mortgage rates to 4%. How soon will we see this happen?

Is it true that Mortgage rates go up usually in summer and come down during the end of the year?

Hi,
I am a planning to get a home in Bay Area. Is it true that Mortgage Rates usually go up in summer and eventually calm down during the end of the year?
Thanks

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