Reply To: 30-year fixed at 6.52%: is now the time to lock in or wait for the Fed to move?

Trying to time mortgage rates is incredibly difficult, even for professionals. If today’s payment comfortably fits your budget and the home makes sense for your long-term plans, locking in can provide valuable peace of mind. If rates fall later, refinancing is always an option. For a deeper look at the factors to consider before deciding, this guide is worth reading: