These are today's mortgage and refinance rates. Mortgage rates have been holding steady. Whether they drop further this year depends on the economy.

Now hovering just over 6%, many prospective buyers may be wondering about the potential for that rate to fall even further (and by how much). While there are ways for buyers to secure a rate below 6% now, it could fall independently this October. But how far, exactly, will mortgage rates fall next month? That's what we'll break down below.

The median interest rate on a 30-year fixed-rate mortgage is 5.990% as of September 25, which is 0.010 percentage points lower than yesterday. Additionally, the median interest rate on a 15-year fixed-rate mortgage is 5.125%, which is unchanged from yesterday.

Mortgage rates are averaging 6.13% currently, but there are ways to get a rate below 6% this fall. Here's how.

Are you tempted to sign a mortgage given where rates are at today? Read on to see why waiting could benefit you even more.

Because rates are still mostly at 6% or higher, home sales have been stalled. But there was evidence from the Mortgage Bankers Association of America this week that a little movem