Heads up, home shoppers and owners! Mortgage rates just hit a 3-year low, thanks to the Fed's recent rate cuts. If you’ve been waiting for a better deal, now’s your chance: 30-year loans are averaging 6.12%, down a full point from earlier this year. The real hack? If your current rate is over 7%, even a half-point drop could save you serious cash. Shop around online—you might be surprised at what you find! #RealEstate #MortgageRates #HomeBuying