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Mortgage math rarely leads the nightly news, yet January's rate dip shows why timing matters. ICE's new Mortgage Monitor reveals the 30-year fixed briefly touched 6.04 percent on Jan 9, instantly unlocking refinance savings for 4.8 million households and trimming the typical payment to $2,091. Even so, 95 percent of owners with sub-5 percent loans stayed put, keeping supply tight, especially in Arizona where average payments sit near $2,251 and our housing deficit tops 52,000 units. Small moves
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