This holiday season, homebuying or refinancing your existing mortgage may understandably be far from mind. After all, this is a time of year in which expenses are already rising, made more costly by lingering inflation and higher interest rates on everything from personal loans to credit cards . But totally avoiding your mortgage options now could be a costly mistake. Mortgage interest rates plunged to a 3-year low in September, and after rising slightly in the weeks after, fell back to that

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