Mortgage interest rates as of Thursday remained substantially lower than they were at the start of 2025. sakchai vongsasiripat/Getty Images

This holiday season, homebuying or refinancing your existing mortgage may understandably be far from mind. After all, this is a time of year in which expenses are already rising, made more costly by lingering inflation and higher interest rates on everything from personal loans to credit cards . But totally avoiding your mortgage options now could be a costly mistake.

Mortgage interest rates plunged to a 3-year low in September, and after rising slightly in the weeks after, fell back to that point in October. They've remained relatively low in November, too, following Federal Reserve interest rate cuts in the last two months. And they cou

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