Mortgage rates are fluctuating slightly today, with the average 30-year fixed rate at 6.09% and the 15-year fixed rate at 5.44%. The national averages for various types of mortgages are provided by Zillow. Refinance rates are also available, with the 30-year fixed rate at 6.24%. Rates have dropped gradually since early July, with no significant expected changes by year-end. To secure a low rate, focus on improving credit score and lowering debt-to-income ratio. Consider refinancing into a shorter term for lower rates.

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