Chapter 03 — Money & Finance
Are mortgage rates going down?
Rates follow the 10-year Treasury and inflation expectations more than the Fed's headline rate. As of 2026 they've been between 6% and 7% for months; no one credibly predicts short-term direction.
Follow-up questions
Should I wait to buy?
Trying to time rates rarely works. Buy when you can afford the payment and plan to stay 5+ years.
Refinance if rates drop?
The old rule: refinance if you can drop your rate by 0.75% and stay long enough to earn back the closing costs.
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