Here’s the scoop: fewer folks are applying for new home loans, but a lot more homeowners are jumping on the refinance train. Even though mortgage rates are holding steady around 6.8%, the uncertain job market has people thinking twice about buying. But if you already own, now might be a good time to check if refinancing could save you some cash on monthly payments. Sometimes, just tweaking your loan can make a big difference! #RealEstate #MoneyHacks #HomeFinance