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With mortgage rates declining, should you refinance Here’s what to know before you decide. More than four million borrowers could potentially benefit from locking in a lower rate

Scarlet (@heluvscar) • Instagram photos and videos

Ahead of the federal reserve's october rate cut, mortgage rates fell to the lowest levels in over a year As interest rates have dropped, refinancing could make sense, or not Looking forward, it's unclear whether this downward trend is sustainable.

Below, we'll break down some of the reasons behind the decline as well as what homebuyers should be doing now amid these encouraging developments.

But should buyers lock one in now? Rates are dropping — should you refinance Lakeview breaks down costs, savings, and timing so you can make a confident, smart mortgage move.