first‑time buyer refinance
Mortgage Rates Dip 0.25% Slashes $3K
A 0.25-point decline in the median refinance rate cuts total interest by roughly $3,200 over a 30-year loan. The dip to 4.78% on July 3 2026 gives eligible homeowners a concrete path to lower monthly payments and thousands in lifetime savings. Financial Disclaimer: This article is for