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Falling Mortgage Rates Near 2025 Low Spark Debate: Lock In Now or Wait for Fed?

Falling Mortgage Rates Near 2025 Low Spark Debate: Lock In Now or Wait for Fed?

Author:

Global Cryptocurrency

Published:

2025-12-02 21:46:02

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BTCCSquare news:

Thirty-year mortgage rates have drifted to their lowest levels in 14 months, hovering just above October 2024's trough at 6.39%. This decline comes despite divergent movements between Fed policy rates and mortgage benchmarks—a trend that may persist even after the widely anticipated Fed cut next week.

Historical patterns suggest caution. While rates dipped to 6.32% last October, they subsequently surged past 7% twice in 2025. Market participants face a classic conundrum: secure current savings through early locking, or gamble on potential further declines that WOULD enable refinancing opportunities.

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