Mortgage rates reach 15-month low, but is now the time to buy or refinance?

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Mortgage rates reach 15-month low, but is now the time to buy or refinance?
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Justin Boggs is a writer for the E.W. Scripps company. Justin covers anything from politics to sports and entertainment.

Prospective homebuyers should be finding it easier to purchase a house as average prices come down and interest rates have seemingly peaked.According to Freddie Mac, the 30-year fixed-rate mortgage averaged 6.47% earlier this week, marking its lowest level since April 2023. Mortgage rates peaked at 7.79% last October.Thirty-year fixed mortgage rates have remained above 6% since September 2022 in part due to the Federal Reserve raising federal interest rates in order to combat high inflation.

Lower interest rates should 'pique' the interest of prospective homebuyers Since the second quarter of 2022, housing prices have relaxed. Prices have declined 7.3% in the last two years, although homes are now still far more expensive than before the pandemic.However, incomes have greatly increased in recent years as well. Median weekly earnings have increased by 7.2% in the last two years, federal data shows.

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