If you are in the market to buy a home (or refi), there has never been a better time with interest rates falling below 4%.
Well, that's if the bank will lend you money (i.e. you have a job, haven't switched jobs in the past 2 years, you are not underwater on your mortgage - didn't buy your home 3-4 years ago, you know the secret handshake).
Good luck.
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