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Mortgage rates bouncing around—lock now or wait it out?

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johnastronomer
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Been watching mortgage rates jump around like crazy lately, and it's honestly stressing me out a bit. I used one of those rate lock services last time I refinanced, and it was pretty helpful—saved me from a sudden spike. But now I'm wondering if locking in too early might mean missing out if rates dip again, you know? Curious if anyone else has dealt with this recently and how it worked out for you.

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