How to get a mortgage rate in the 5% range for 2026
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TL;DR
- Mortgage interest rates have improved, with potential for 5% rates in 2026.
- Shopping around online through multiple marketplaces can help find lower rates.
- Refinancing with a 15-year term could offer rates around 5.68% or lower.
- Increasing a down payment can reduce lender risk and lead to more competitive rates.