By avoiding certain mortgage rate mistakes now, homebuyers and owners looking to refinance can better improve their chances of success. J Studios/Getty Images

The moment homebuyers and owners looking to refinance their loans finally appeared in September when mortgage interest rates fell to a three-year low .

While they've increased slightly in the time since, last week saw another decline and, overall, rates here are considerably lower than the 7% or so they hovered near for large parts of 2025 and before. And with two more Federal Reserve meetings on the calendar for the final three months of the year and, with them, presumed rate cuts at both, mortgage rates could soon become even more affordable. So there's good news, overall, for buyers and owners to take advantage of

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