The average 30-year mortgage rate has hovered in the low- to mid-6% range for months. While many experts predict that rates will fall slightly in 2026, most expect them to remain above the 6% mark for the foreseeable future. Fortunately, mortgage rates are highly personalized, so if you’re buying a home or refinancing in the next few years, you could still snag a lower interest rate. Here are eight strategies for securing a sub-6% rate on your next mortgage loan. 1. Choose a government-backed loan The ...