Today's mortgage rates are significantly lower than they were at the start of 2025. designer491/Getty Images

Homebuying during the holiday season may be a bit unconventional, but this year it may actually make sense. With Thanksgiving less than two weeks away, many prospective buyers may understandably want to delay their house hunt until 2026 and maybe even into the traditional spring homebuying season . But that could actually be a mistake now.

Mortgage interest rates have been largely declining for much of 2025 , providing new timely windows of opportunity for buyers who have been sidelined in recent years thanks to rates that had surged in response to inflation and Federal Reserve rate hikes. But the central bank has cut rates multiple times over the past year and m

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