Though mortgage rates have bounced around lately, rising and then falling shortly after, overall, these borrowing rates have remained in the 6% range for the better part of the last few years — at least on 30-year conventional fixed-rate mortgage loans. This rate landscape, in turn, hasn't been particularly enticing to borrowers, many of whom would prefer for rates to drop closer to the 3% range that was common at the height of the pandemic. Adjustable-rate mortgage (ARM) loans, on the other