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Mortgage Rates Lowest in a Month After Fed; Rate Lock Costs Explained

Mortgage Rates Lowest in a Month After Fed; Rate Lock Costs Explained

Mortgage rates moved lower at a healthy pace today, ultimately hitting the best levels in just over a month. It was the 4th straight day of improvements and since June 29th, 6 out of 7 days have seen rates fall. With today's gains, most lenders are back to quoting conventional 30yr fixed rates of 4.0% on top tier scenarios. Some had already made that move over the past few days, but 4.125% remained relatively more prevalent until today. There are some notable exceptions here, with a very large lender or two still not quite down to 4.0%. One final consideration is that recent volatility makes it hard for some lenders to adjust rate sheets as quickly as markets are moving. As such, there is more diversity in rate offerings between lenders. The disparity will continue as long as market volatility
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