Mortgage rates were unchanged to slightly lower Tuesday as stock prices dropped in the wake of Fannie Mae’s reported first quarter loss of $2.2 Billion and record high oil prices. Fannie announced plans to cut dividends and raise $6 Billion in new capital; their stock plunged 6% on the news. Meanwhile, Fed Chairman Ben Bernanke urged Congress to take action to reduce foreclosures in an effort to stabilize the real estate market.