Mortgage rates could fall as low as 5% this year but may not be enough to significantly boost home sales.Thomas Northcut/Getty ImagesThe US housing market is crashing and soaring all at the same time as pockets of the market see divergent trends.Home prices on the West Coast have plunged as much as 10%, while homes in the East have surged.The home price trends have been driven by mortgage rates, little supply, and broader economic trends.