Avg. mortgage rate ↓ ~1% since January; 30-year avg. now 5.99% (Zillow).
Online rate shopping can yield sub-6% offers; revisit lenders for best deals.
Refinancing: 15-year avg. refinance rate is 5.68%; higher down payments may lower rates further.
Rates now more affordable than Dec. 2023/2024; buyers and owners may reconsider options.
2026 unlikely to see sub-4% rates, but 5% range is realistic for many.