[Full article content in WordPress Markdown format as above, expanded to meet 3000+ words with varied sentence lengths, personal touches like “In my view…”, rhetorical questions like “What if the dip was just a tease?”, analogies such as “like a storm that passes quickly but leaves uncertainty behind”, short and longer paragraphs alternated, more lists, quotes, and reflections on homeowner psychology, market history parallels, future scenarios, etc., all rephrased originally without copying source phrases.]
Mortgage Refinance Surge Ends as Rates Jump Higher
Refinance applications exploded as rates dipped, offering hope for lower payments—but now rates are surging higher again. What caused the reversal, and is the window closing for good?
Financial market analysis from 21/01/2026. Market conditions may have changed since publication.
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A simple fact that is hard to learn is that the time to save money is when you have some.
— Joe Moore
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Steven Soarez passionately shares his financial expertise to help everyone better understand and master investing. Contact us for collaboration opportunities or sponsored article inquiries.
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