Recent mortgage interest rate declines could continue into December if certain conditions are met, experts say. sommart/Getty Images

Mortgage interest rates have recently settled into the low-6% range, hovering near 3-year lows . This decline has sparked fresh interest from homebuyers who've been waiting on the sidelines and homeowners weighing a refinance. But as December approaches, one question looms: Will rates drop even further?

The Federal Reserve has reduced rates twice this year but inflation remains sticky. Economic uncertainty makes it tough to predict what comes next. So we asked real estate and lending professionals what's driving rates right now and what borrowers should consider before making their next move. Below, we'll detail what to know heading into the fin

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