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Stalled mortgage rates have buyers on edge when could 6% loans make a comeback?

Mortgage rates are staying high around 6%, making home buying expensive for many Americans. Experts say rates might slowly drop to 6% by late 2026, but 3% loans are unlikely. Buyers can save money by improving credit, making bigger down payments, or shopping around for lenders. Planning now can help manage costs until rates change.

20 Dec 2025 12:27 am