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Borrowers Utilizing Rate Buydowns Trends Upward

According to new data from Optimal Blue, rate lock data showed moderate signs of an early-January rebound in purchase locks, while refis remain constrained despite a full percentage point rate decline since its October 2022 peak.

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San Francisco Homebuyers Paying Less Per Year

As monthly housing payments fall from their peak due to declining mortgage rates and home prices, the median monthly housing payment for San Francisco homebuyers dropped nearly 15%, renewing homebuyer interest in the area.

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