Like those last few beers of the evening, mortgage rates have been sneaking up on us for a while now. The average 30-year fixed-rate mortgage was 6.53 percent over the last week, up from 6.49 percent the previous week, according to Freddie Mac’s weekly survey, released today. That’s the highest level in four years, and there are signs that rising rates are starting to take the wind out of Chicago’s booming real estate market. Agree, disagree, don’t care? We’d love to hear from you. Click on “Comments” below and let us hear your arguments for why the bubble is bursting, or slowly deflating, or nothing more than a figment of journalists’ imaginations.