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Interest Rates Home Buying Refinancing Housing Market Savings 30-Year Fixed Mortgage Federal Reserve Market Trends Financing Rates Mortgage Points Homebuyers Down Payments Mortgage Refinance Rate Home Sales Consumer Demand 30-Year Fixed-Rate Mortgage Homebuyers' Behavior Economic Indicators Housing Market Trends 30-Year Mortgage Adjustable-Rate Mortgages Impact on Buyers and Sellers 30-Year Fixed Loan California