Thinking about buying a home or refinancing? Mortgage rates are hanging out near 3-year lows, with the average 30-year rate at 5.99%. The Fed might cut rates again soon, but waiting could mean more buyers competing for the same houses. Pro tip: shop around online—lenders don’t all update rates at the same time, so you might snag a better deal. If you’re eyeing a 15-year loan, the rate’s even lower at 5.37%. Time to do some number crunching! #RealEstate #mortgagerates #homebuying