Mortgage trends move in cycles and if you’ve been keeping an eye on the market lately, it feels like we’re on the verge of another turning point. After years of elevated mortgage interest rates, there’s a growing sense that the tide could be turning once again. Could this be your last opportunity to lock in one of the lowest home mortgage interest rates in years — perhaps even around 0.85% by 2026? Before you dismiss that as wishful thinking, let’s take a closer look at the t