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Not all homebuyers are stuck with a 6 percent mortgage. According to Bank of America’s 2026 outlook, adjustable-rate mortgages are making a comeback because they lower payments up front and give buyers a chance to refinance later. Some buyers are also choosing 15-year loans to lock in much lower rates and save interest over time. But the real difference in today’s market comes down to what some buyers know about borrowing options and what others do not. Source: 2026 Mortgage Market Trends to Wat
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