Rates have been steadily increasing and now seem to have been coming down. Take advantage of locking in your rate - for now, this seems like a bit of a break but with all the money printing, it could take off
Long term down the road you will refinance and save a lot of money. Concentrate on getting a home for the payment is comfortable and the time will come when you will refinance and save huge.
costs of everything seem to be going up and getting the opportunity to refinance will come in at the right time.
Bottom line is rates have gone up insanely since 2021, just be comfortable with your payment today
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