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How homebuyers are still landing mortgage rates under 6% 8 strategies that work

Homebuyers can still get mortgage rates under 6% by using smart strategies. Choosing government-backed loans, shorter terms, discount points, temporary buydowns, improving credit scores, shopping lenders, or considering adjustable-rate loans can help. Some experts say rates may fall below 6% in 2026. These tips can save money and lower monthly payments when buying or refinancing a home.

20 Dec 2025 7:39 pm