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Most people assume fixed mortgage rates move randomly, or that only lenders know when a change is coming — neither is actually true. There's a specific pattern that shows up in the market days before a fixed rate hike or drop, and it's not something anyone ever bothers to explain. It's genuinely something brokers watch every single day, and once you know what it is, rate timing stops feeling like a guessing game. Here's exactly what to watch, and how to use that window to your advantage.


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