Buying a Home Today: Why Refinancing Has Become Part of the Plan

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Buying a home today is not just about getting approved for a mortgage. For many recent buyers, the bigger challenge is keeping that payment affordable over time. A new study shows that many homeowners entered the market expecting mortgage rates to eventually decline and refinancing to provide financial relief.” According to the 2026 Recent Homebuyers Report, 85% of recent buyers with mortgages believe refinancing within the next three years is important to their financial health. Nearly half say their current mortgage payment may not remain sustainable unless they can refinance into a lower ra