Are Mortgage Points Worth Buying Right Now? Here’s What 3 Experts Think.

CBS News, July 6, 2026-Aly J Yale
Aside from a small dip at the start of the year, mortgage rates have been relatively high for most of 2026, hovering around the 6.5% mark for much of that time. In fact, the average rate on 30-year mortgage loans currently sits at about 6.49%.

But those rates aren’t set in stone, and it’s possible for individual borrowers to get lower rates with a few strategic moves. Improving your credit score, for one, can help you get a lower mortgage rate, as can shopping around for your lender, since rates vary quite a bit from one company to the next.

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