If you've been paying close attention to the mortgage rate climate in recent years, you're likely already familiar with some of the factors that can drive rates up or down. Inflation is one. Unemployment , in an indirect way, is another. The 10-year Treasury yield is a major one, as is the Federal Reserve's interest rate policy. The central bank cut rates three times in four months at the end of 2025, causing rates to decline considerably both for buyers and owners looking to refinance. So,

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