Mortgage rates just dipped a bit, but don’t rush to refi your home just yet. Even with 30-year rates around 6.2%, experts say rates could drop more if the Fed keeps cutting. The real money move? Use this time to boost your credit score and pay down debt so you’re ready to pounce when rates fall further. Always crunch the numbers—closing costs can eat up your savings if you’re not careful! #RealEstate #mortgage #refinance