Over the past year, homeowners have waited patiently for interest rates to come back down. That moment is finally here. The mortgage market is shifting, rates are steadily declining, and homeowners now have a strong window of opportunity to save money, lower monthly payments, and access equity at historically favorable terms. Whether you’re thinking about refinancing, taking cash out, or purchasing a new home, this is one of the most advantageous rate environments we’ve seen in the last 18–24...