Homebuyers waiting for an October mortgage rate drop should start making some proactive moves right now. Pla2na/Getty Images

Mortgage interest rates fell so many times just this September that prospective homebuyers can be forgiven for thinking that they're lower than they actually are.

After all, rates here fell to an 11-month low , then dropped further, hitting nearly a one-year low and a three-year low , all by September 18. Now at an average of 6.13%, mortgage rates are much more affordable than they were just two years ago, when the median rate hovered near its highest level since 2000 .

However, that doesn't mean that mortgage rates are as low as many would like, either, especially after they sat near record lows just at the start of the decade. Still, with ra

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