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Mortgage rate today: 30-year fixed at 6.26%, 15-year near 5.58% - are mortgage rates finally easing enough for borrowers to act right now?

Mortgage rate today: US mortgage rates dipped again today, with the 30-year fixed averaging 6.24% to 6.34%. The 15-year fixed sits at 5.42% to 5.83%. Jumbo loans hold near 6.40% to 6.42%. FHA rates run 5.85% to 6.12%. VA loans stay around 6.05% to 6.20%. Refinance rates also eased to 6.59% to 6.66%. The 15-year refi is near 5.94%. Borrower demand is rising. Lenders report more applications. Even small drops matter. Savings increase fast. Credit score drives pricing. Down payments shift rates. Competition is tightening. Buyers see an opening.