Mortgage rates have remained steady recently and are unlikely to drop significantly before 2026. The lowest rates often go to select clients of niche lenders, not typical borrowers. To secure the best rate with mainstream lenders, improve your credit score, lower your debt-to-income ratio, make a larger down payment, consider buying discount points, use interest rate buydowns, explore adjustable-rate or shorter-term mortgages, and look for assumable loans.
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