There are multiple ways to secure a below-average mortgage rate this October. Catherine Falls Commercial/Getty Images

The last few months have ushered in notable improvements on the mortgage rate front . The average rate on 30-year mortgage loans recently declined to 6.13%, the lowest point seen in three years .

Still, rates are a far cry from those ultra-low rates of the pandemic — and for many homebuyers and refinancers, they're still pretty pricey considering today's home prices.

Fortunately, waiting it out for rates to drop further isn't your only option if you need a better deal. Experts say there are a number of strategies that can improve your chances of scoring a low mortgage rate, especially as we enter the typically slower season for real estate (when le

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