Mortgage interest rates have certainly seen a lot of movement over the past few years. At the start of the decade, qualified buyers could lock in rates comfortably under 4%, but that changed in the years that followed, thanks to high inflation and elevated interest rates designed to cool it. But that dynamic reversed itself again in 2025 as the Federal Reserve issued multiple rate cuts and mortgage interest rates subsequently declined to their lowest level since 2022 . At the start of 2026,

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