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8 strategies for getting a mortgage rate under 6%

By January 2, 2026No Comments

Average 30-year mortgage rates remain in the low- to mid-6% range, with most experts expecting rates to stay above 6% for the foreseeable future. Strategies to secure sub-6% rates include choosing government-backed loans, opting for shorter terms, buying discount points, using temporary buydowns, improving credit scores, shopping lenders, considering adjustable-rate mortgages, or waiting for potential rate drops.

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