The mortgage market in late 2025 presents a complex landscape for borrowers. While headline averages still hover around the low-6% range, Mortgage Rates Below 4% represent the most competitive offers for well-qualified borrowers that have now dipped below 4%. These sub-4% opportunities can be highly selective and short-lived. Understanding how they’re available, why they may … Continue reading Why Mortgage Rates Below 4% Might Not Last – And What Borrowers Should Do Now