would the health care reform affect mortgage rates?

Not directly.. Mortgage rates are driven by bonds called "Mortgage backed Securities", and it's the movement of these bonds that affect rates.. however, since the smoke and mirrors are gone, and everyone is starting to see Obamacare for what it is, a lot of folks will find it difficult to afford health care and a mortgage, and this could affect rates indirectly.. or what we call "Unintended Consequences"... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Seems pretty unlikely, that is pretty much unrelated to what drives mortgage rates.

Only indirectly, as it affects inflation and the national debt.

the health care reform should not directly affect the mortgage rates since rates are based on Bonds, however it could indirectly affect it by how the healthcare reform affects the economy...stocks and bonds, because of could add volitility to the ,markets, however it is hard to say.