With a new unemployment report released last week, an inflation reading this week and a new Federal Reserve meeting on the schedule for later this month, there are plenty of relevant factors at play that could again impact mortgage interest rates. But buyers and owners hoping to refinance may not have to wait for these developments to play out further, considering that mortgage interest rates declined by more than a full percentage point, on average, in 2025. That could open new opportunities that seemed out of reach just 12 or 18 months ago.

 

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