Mortgage rates are falling fast—30-year fixed at 6.55%, 15-year at 6.03%, and 5/1 ARM down 16 basis points—thanks to the Fed holding steady, sparking a 62% surge in refinance applications. Experts say rates will stay stable through 2026, possibly dipping even lower in 2027. If you’re eyeing a home or refinancing, now could be the time to act.
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