Mortgage rates are already falling. But will you be better off refinancing in the new year? Here's why being patient could pay off.

These are today's mortgage and refinance rates. After dropping for several months, mortgage rates are now substantially lower ...

The Federal Reserve gave home shoppers what they hoped for recently: a big rate cut and a signal of more cuts to come.

Mortgage rates are starting to fall, but that doesn't mean it's a good time to refinance. Find out why I'd wait a little ...