Mortgage rates are going down, but U.S. home sales are still on track for the worst year since 1995

Borrowing costs for 15-year fixed-rate mortgages eased this week among homeowners looking to refinance their home loan to a lower rate. The average rate fell to 5.84% from 5.96% last week. A year ago, the average was 6.38%, Freddie Mac said.

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