Thinking about buying a home or refinancing? Here’s a money hack: mortgage rates could start dipping even before the Fed officially cuts rates in September. Lenders tend to get ahead of the Fed, so you might spot lower rates popping up soon. If you see a rate that fits your budget, don’t wait for the official announcement—your dream home might not stick around. You can always refinance later if rates drop more! #RealEstate #MortgageTips #HomeBuying