After the record lows that mortgage interest rates hovered near for most of 2020 and 2021, even a casual observer could tell you what a "good" rate could be considered to be at the time. A rate under 4% was generally considered good during this period but there were plentiful options under 3%, too, giving both homebuyers and owners reason to take action. But the economic climate and interest rate landscape, specifically, have changed dramatically since that point. Inflation surged in 2022 and

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