Interest rates are falling, but home buyers aren’t getting the full benefit
Interest rates have been plummeting, but the cost of taking out a mortgage hasn’t fallen as fast.
Falling rates are usually a boon to the housing market, since that typically lowers the interest rates that lenders offer on mortgages. Borrowers can then buy homes or refinance their existing mortgages at a lower monthly cost. But they haven’t been feeling the full benefit of the recent rate swoon, one reason the housing market has remained cool over the past year.
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