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Mortgage Rates Drop Below 6% — Time to Lock In!

4/22/2026

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Story summary
  • Mortgage rates have declined to 5.99% for 30-year and 5.50% for 15-year loans, from end-March levels.
  • The decline creates a significant opportunity for borrowers.
  • Borrowers should pull their credit reports to ensure accuracy.
  • Borrowers should shop around for competitive lender rates.
  • They should consider locking in a rate to protect against future volatility, given rates under 6%.