Heard the buzz? Mortgage rates just dipped, and suddenly everyone’s calling their lender. Applications for home loans and refinancing jumped over 10% last week! The real drama: folks with bigger mortgages are racing to lock in lower payments, while adjustable-rate loans are making a comeback. If you’ve been on the fence about refinancing, now might be your window—just don’t expect a stampede of new homebuyers yet. Rates are down, but homes are still pricey! #RealEstate #mortgage #refinance